Find grants, rebates, forgivable loans, and free programs for Royal Oak, MI, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Royal Oak, MI, with individual awards up to $126,526. 5 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 | 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-eligible owner-occupied households in Royal Oak. Loan is forg...
Provides emergency repair grants for urgent health and safety issues in owner-occupied homes. Priority given to househol...
Provides grants for accessibility modifications to owner-occupied homes for residents with disabilities. Covers ramps, g...
Provides low-interest loans for water and sewer lateral repairs on private property. Available to all Royal Oak property...
Federal WAP program administered by the state provides free weatherization services to income-eligible households. Servi...
State-funded lead hazard abatement for homes with children under 6 years old, especially those with elevated blood lead ...
State-funded forgivable loan program for critical home repairs to income-eligible owner-occupants. Loan is forgiven afte...
Free comprehensive in-home energy assessment for DTE Energy customers. Includes installation of free energy-saving items...
DTE Energy will pick up and recycle your old working refrigerator or freezer and pay you $50. Free pickup and environmen...
Rebate for installation of qualifying air-source or ground-source heat pumps in DTE Energy service territory. Reduces up...
Rebate for adding insulation to attics, basements, and crawl spaces of DTE Energy customers. Must meet minimum R-value r...
Comprehensive energy assistance program for low-income DTE customers including enhanced weatherization, furnace repair/r...
State tax credit to help low-income Michigan residents pay heating bills. Available to homeowners and renters who meet i...
Net metering program allowing DTE customers with solar panels to receive credits for excess electricity sent back to the...
Federal tax credit covering 30% of the cost of installing a residential solar energy system. Applies to solar panels, in...
Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or modernize ho...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their accessibil...
Grants for veterans with certain service-connected disabilities to adapt a home they live in or plan to live in. Covers ...
Grant program for Oakland County seniors age 60+ to address critical home repairs. Priority given to health and safety i...
Low-interest loans for home energy improvements including HVAC, insulation, windows, and solar. No down payment required...
Allows Michigan seniors age 62+ to defer a portion of property taxes on their principal residence. Deferred taxes accrue...
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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25 programs are currently listed for Royal Oak, 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 Royal Oak, 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.