Find grants, rebates, forgivable loans, and free programs for Raleigh, NC, filtered to your situation.
As of June 2026, 38 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Raleigh, NC, with individual awards up to $126,526. 17 programs target seniors, 5 serve veterans, and 14 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 22 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 8 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | Refunded to you after purchase | Energy-efficiency upgrades |
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The City of Raleigh's Substantial Rehabilitation Program provides deferred-payment, 0% interest loans up to $120,000 for...
The Raleigh Limited Repair Program provides deferred 0% interest loans up to $20,000 to help low- and moderate-income ho...
The Raleigh Home Revitalization Program provides deferred 0% interest loans up to $30,000 for necessary repairs, aging-i...
Wake County's Major Repair Program is a pilot initiative offering deferred 0% interest loans up to $90,000 to low-income...
The NC Urgent Repair Program (URP) provides deferred forgivable loans up to $15,000 per household for emergency health a...
The NC Weatherization Assistance Program provides free energy-efficiency improvements to income-eligible households, inc...
Duke Energy's Smart $aver program offers residential customers rebates for qualifying energy-efficiency upgrades. As of ...
Dominion Energy NC (serving Raleigh-area natural gas customers under the ThermoWise program) offers rebates for qualifyi...
Energy Saver NC, launched in January 2025, provides IRA-funded home energy rebates to North Carolina residents. The HOME...
Habitat for Humanity of Wake County's Home Preservation program partners with Preserving Home to deliver critical repair...
The VA Home Improvements and Structural Alterations (HISA) grant provides up to $6,800 for veterans with service-connect...
The VA Specially Adapted Housing (SAH) grant provides up to $126,526 in FY 2026 to help veterans with severe service-con...
The VA Special Home Adaptation (SHA) grant provides up to $25,350 in FY 2026 to improve mobility throughout the home for...
North Carolina's Elderly or Disabled Homestead Exclusion reduces property taxes by excluding the greater of $25,000 or 5...
North Carolina veterans with a 100% total and permanent service-connected disability rating from the VA, or who receive ...
NC LIHEAP provides seasonal energy bill assistance and limited emergency energy crisis funds to income-eligible househol...
USDA Rural Development's Section 504 program provides low-interest loans and grants to very low-income rural homeowners ...
The FHA 203(k) Rehabilitation Mortgage enables Raleigh-area homebuyers and existing homeowners to finance both a home pu...
VITA provides free IRS-certified tax preparation for households earning $67,000 or less, helping Raleigh homeowners clai...
NC's Property Tax Circuit Breaker program caps property taxes at 4% of income for very low-income elderly or disabled ho...
The federal 25C Energy Efficient Home Improvement Credit allows homeowners to claim 30% of qualifying improvement costs ...
The federal 25D Residential Clean Energy Credit provides a 30% tax credit with no dollar cap for qualifying renewable en...
The City of Raleigh receives annual HUD Community Development Block Grant entitlement funding and allocates a portion to...
Preserving Home (formerly Rebuilding Together of the Triangle) serves as a key administrator for both City of Raleigh an...
Wake County receives HUD entitlement CDBG and HOME funding and directs a portion toward owner-occupied housing rehabilit...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
The SBA North Carolina District Office in Charlotte serves small businesses in Raleigh and across NC with SBA 7(a) loans...
The City of Raleigh supports small businesses through its Economic Development office, offering technical assistance, fa...
The City of Raleigh provides down payment assistance up to $20,000 to income-qualified first-time homebuyers purchasing ...
The Capital Area Workforce Development Board administers WIOA funds through NCWorks Career Centers in Wake County. Indiv...
North Carolina's Child Care Subsidy Program helps low-income working families pay for child care through county DSS offi...
Wake County Human Services and Telamon Corporation operate Head Start and Early Head Start programs in the Raleigh area....
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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38 programs are currently listed for Raleigh, including Raleigh Substantial Rehabilitation Program, Raleigh Limited Repair Program, Raleigh Home Revitalization Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Raleigh, 22 programs do not require repayment, 8 are forgivable loans, and 5 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.