Find grants, rebates, forgivable loans, and free programs for Rochester, MN, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Rochester, MN, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 13 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 12 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 8 | 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...
Free weatherization services including insulation, air sealing, furnace repair/replacement, and water heater upgrades fo...
Low-interest deferred loan for major home repairs and improvements for owner-occupied households. Loans may be partially...
CDBG-funded forgivable loan for major home repairs to correct code violations and health/safety hazards. Loan forgiven a...
Emergency repair grant for income-eligible homeowners facing urgent health and safety issues. Covers repairs that pose i...
Forgivable loan for accessibility modifications such as ramps, grab bars, widened doorways, accessible bathrooms, and li...
HUD-funded program to reduce lead-based paint hazards in pre-1978 homes with children under 6. Free testing, risk assess...
Low-interest loan to repair or replace private sewer laterals from home to public main. Loan repaid through property tax...
Rebates for high-efficiency heating and cooling systems including air-source heat pumps, central AC, and furnaces. Pre-a...
Rebate for ENERGY STAR certified heat pump water heaters. Must be installed by licensed contractor and meet program spec...
Rebate for ENERGY STAR certified smart thermostats. Limit of two thermostats per household. Available to all RPU electri...
Rebate for attic, wall, or basement insulation improvements. Energy audit recommended before application. Rebate based o...
Rebate for high-efficiency natural gas furnaces (95% AFUE or higher). Must be installed by licensed contractor. Availabl...
Rebate for high-efficiency natural gas boilers (95% AFUE or higher). Must be installed by licensed contractor. Available...
Rebate for ENERGY STAR certified natural gas water heaters. Must meet minimum efficiency requirements (0.67 UEF or highe...
Rebate for residential solar photovoltaic systems. Incentive is $0.25 per watt DC for systems up to 40 kW. Pre-approval ...
Federal grants (up to $7,500) and loans (up to $20,000 at 1% interest) for very low-income homeowners to repair, improve...
Grant for veterans with certain service-connected disabilities to purchase or construct an adapted home, or modify an ex...
Grant for veterans with certain service-connected disabilities to adapt a family member's home in which they reside, or ...
Minor home maintenance and yard work services for seniors age 60+ who are unable to perform tasks themselves and lack fa...
Helps low-income Minnesota households pay for home heating costs and year-round energy bills. Benefit amount based on ho...
Emergency assistance for low-income households facing a heating crisis due to furnace failure or broken heating equipmen...
Affordable home improvement loan with competitive rates for repairs, accessibility improvements, or energy efficiency up...
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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26 programs are currently listed for Rochester, 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 Rochester, 12 programs do not require repayment, 3 are forgivable loans, and 8 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.