Find grants, rebates, forgivable loans, and free programs for Racine, WI, filtered to your situation.
As of June 2026, 27 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Racine, WI, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | Refunded to you after purchase | Energy-efficiency upgrades |
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HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
Provides forgivable loans for major home repairs to income-qualified homeowners in Racine. Loan is forgiven after 5 year...
Provides emergency grants for critical health and safety repairs to very low-income homeowners in Racine. Priority given...
HUD-funded program to eliminate lead-based paint hazards in Racine homes built before 1978 with children under 6. Servic...
Provides grants for accessibility modifications to enable persons with disabilities to remain in their homes. Covers ram...
Provides low-interest loans for private sewer lateral repair or replacement in Racine. Loans are repaid through water ut...
State-funded low-interest loan for home repairs and improvements. Available through participating Wisconsin lenders. Can...
Federally-funded program providing free energy efficiency upgrades to income-qualified households. Services include insu...
Utility rebates for energy-efficient furnaces, air conditioners, heat pumps, water heaters, insulation, and windows. Reb...
Enhanced rebates and incentives for income-qualified households. May cover up to 100% of furnace replacement, water heat...
Statewide rebates for electric air source and geothermal heat pumps. Enhanced rebates available for income-qualified cus...
Cash incentive for residential solar panel installations at $500 per kilowatt DC installed, up to 7 kW. Must use approve...
USDA program for very low-income homeowners in eligible rural areas near Racine. Provides loans up to $40,000 and grants...
Grants to veterans with certain service-connected disabilities to build, buy, or modify a home for wheelchair accessibil...
Grants to veterans with certain service-connected disabilities to modify a home for accessibility. For veterans who are ...
HUD HOME-funded program for substantial rehabilitation of owner-occupied homes in Racine. Forgivable loan with 5-year co...
Provides minor home repairs and safety modifications for Racine County seniors age 60+ with limited income. Helps senior...
State-funded lead hazard reduction for homes with children under 6 or pregnant women. Provides free testing, risk assess...
Matching grants for historic preservation projects on National Register properties or locally designated landmarks in Wi...
Federal tax credit equal to 30% of the cost of installing a residential solar photovoltaic system. Can be claimed on fed...
Low-interest state loan program allowing Wisconsin homeowners age 65+ to defer property taxes. Loan balance becomes due ...
Wisconsin refundable tax credit for homeowners and renters with household income below $24,680. Helps offset property ta...
Low-interest loans for repair or replacement of failing private wells and septic systems in Racine County. Protects grou...
State assistance for income-qualified homeowners to install radon mitigation systems. Radon is a cancer-causing gas comm...
Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.
Pick a project to see how much funding could stack on it from multiple programs in this city.
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27 programs are currently listed for Racine, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Racine, 17 programs do not require repayment, 2 are forgivable loans, and 3 are rebates.
Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.