Find grants, rebates, forgivable loans, and free programs for Seattle, WA, filtered to your situation.
As of June 2026, 51 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Seattle, WA, with individual awards up to $126,526. 14 programs target seniors, 6 serve veterans, and 21 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 33 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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 Seattle Office of Housing provides 0% interest deferred-payment loans to income-qualified homeowners (below 80% AMI)...
The Seattle Office of Housing offers outright grants (no repayment required) for homeowners who need repairs under $3,00...
Since 1980, Seattle's HomeWise Weatherization Program has provided free energy efficiency improvements to income-qualifi...
The Seattle Side Sewer Assistance Program provides interest-free loans up to $15,000 for income-qualified homeowners who...
All Seattle residents who heat with oil can receive a $2,000 instant rebate when converting to a qualifying Mitsubishi E...
Moderate-income Seattle households (81-150% AMI) converting from oil heat to an electric heat pump can stack a $4,000 bo...
Sound Generations' Minor Home Repair Program provides free plumbing, electrical, carpentry, and safety-modification serv...
Habitat for Humanity Seattle-King & Kittitas Counties provides critical and minor home repairs to income-qualified homeo...
The CAPABLE (Community Aging in Place, Advancing Better Living for Elders) program pairs homeowners age 60+ with an Occu...
Rebuilding Together Seattle's year-round Safe at Home program provides free critical home repairs for low-income homeown...
Seattle City Light customers can receive instant or mail-in rebates on qualifying energy-efficient upgrades. Current reb...
Puget Sound Energy customers in King County can receive rebates on a wide range of energy-efficient upgrades including h...
PSE's Efficiency Boost program offers enhanced rebate amounts to income-qualified customers, approximately 50% of PSE cu...
King County's Housing Repair Program offers 0% interest deferred-payment loans up to $34,000 for low-income homeowners o...
King County's Emergency Grant program provides up to $9,000 in non-repayable grants for owner-occupied homes with urgent...
King County provides grants up to $11,000 for emergency repairs to owner-occupied manufactured homes (mobile homes) in p...
King County provides grants up to $11,000 to renters with disabilities for accessibility modifications to their units, i...
The King County Housing Authority administers the Weatherization Assistance Program for homeowners and tenants outside S...
The federally funded Weatherization Assistance Program provides free energy efficiency improvements to income-qualified ...
Washington's Weatherization Plus Health program extends standard weatherization to address home health hazards such as m...
Washington State offers property tax exemptions for homeowners age 61+ or those unable to work due to disability (any ag...
Byrd Barr Place administers the Low Income Home Energy Assistance Program (LIHEAP) for Seattle residents, providing heat...
Hopelink administers LIHEAP for residents in North King County (north of NE 145th St) and East King County, including Sh...
The PSE Home Energy Lifeline Program (PSE HELP) provides PSE customers in the Seattle area with $250-$1,000 in one-time ...
The Seattle Utility Discount Program provides a 60% discount on Seattle City Light bills and a 50% discount on Seattle P...
Northwest Access Fund provides low-interest loans up to $60,000 (10-year term) to Washington, Oregon, and Idaho resident...
The VA Specially Adapted Housing (SAH) grant provides up to $126,526 (FY 2026) to veterans with severe service-connected...
The VA Special Housing Adaptation (SHA) grant provides up to $25,350 (FY 2026) to veterans with specific service-connect...
The VA HISA (Home Improvements and Structural Alterations) grant provides up to $6,800 for veterans modifying their home...
USDA Section 504 provides very-low-income homeowners (at or below 50% AMI) in rural or rural-adjacent areas with 1% fixe...
FHA 203(k) rehabilitation mortgages allow homebuyers and existing homeowners to finance purchase and renovation costs in...
HUD's Title I Property Improvement Loan Insurance program enables FHA-approved lenders to make loans for home improvemen...
WSHFC's Home Advantage program provides down payment assistance as a second mortgage equal to 4% of the first mortgage a...
The federal Historic Rehabilitation Tax Credit provides a 20% income tax credit on qualified expenditures for the certif...
Washington State's Special Valuation program for historic properties allows approved rehabilitation costs to be subtract...
The American Red Cross Northwest Region installs up to 3 free smoke alarms for households that cannot afford them or are...
FEMA's Hazard Mitigation Grant Program provides funding through state and local governments to retrofit homes against fu...
HUD's Lead Hazard Reduction grant program funds state and local agencies to identify and remediate lead-based paint haza...
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...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
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 ...
Free tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) program. Certified volunteers prepa...
The Workforce Development Council of Seattle-King County administers WIOA funds through WorkSource Seattle-King County l...
The SBA Washington District Office in Seattle serves small businesses across Washington State with SBA 7(a) loans, 504 l...
Seattle's Office of Economic Development supports small businesses through the Small Business Development Fund, technica...
Seattle homeowners can claim the 30% federal Solar ITC on solar installations. Seattle City Light offers net metering th...
Washington's Working Connections Child Care (WCCC) program helps low- and moderate-income families pay for child care wh...
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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51 programs are currently listed for Seattle, including Seattle HomeWise Home Repair Loan Program, Seattle HomeWise Home Repair Grant, Seattle HomeWise Weatherization 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 Seattle, 33 programs do not require repayment, 2 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.