Find grants, rebates, forgivable loans, and free programs for Smithfield, RI, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Smithfield, RI, 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 | 14 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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...
CDBG-funded program providing forgivable loans for major home repairs to low- and moderate-income owner-occupied househo...
State and HUD-funded program to eliminate lead paint hazards in pre-1978 homes in Smithfield where children under 6 resi...
Federally funded program providing free comprehensive home energy upgrades including insulation, air sealing, HVAC repai...
Down payment and closing cost assistance for first-time homebuyers purchasing in Smithfield. Available as a deferred sec...
Rebates for qualifying air-source and ground-source heat pump installations in Smithfield homes. Enhanced rebates availa...
Rebates for professionally installed insulation and air sealing upgrades in Smithfield homes. Includes attic, wall, base...
Instant rebates on qualifying Wi-Fi-enabled smart thermostats purchased through the Rhode Island Energy online store. Re...
State rebate program for residential solar photovoltaic systems in Smithfield. Rebate amount is $0.40 per watt with enha...
State tax credit for Rhode Island residents age 65+ who own and occupy their Smithfield home. Credit amount phases based...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas of Smithfield to repair, improve, o...
Grant for veterans with certain service-connected disabilities to adapt or purchase a specially adapted home in Smithfie...
Grant for veterans with certain service-connected disabilities to make adaptations to a family member's home in which th...
State-funded program providing home modifications for Rhode Island residents with disabilities in Smithfield. Covers ram...
Local property tax relief program for Smithfield homeowners age 65+ with household income below $50,000. Freezes the ass...
Federally funded HOME program providing forgivable loans for major rehabilitation of owner-occupied homes in Smithfield....
Rebates for qualifying ENERGY STAR certified appliances including electric heat pump water heaters, clothes washers, and...
Ongoing discount on monthly electric and gas bills for income-qualified Smithfield households. Provides 25% discount for...
Low Income Home Energy Assistance Program (LIHEAP) provides help paying heating bills for eligible Smithfield households...
Low-interest loan program to help Smithfield homeowners repair or replace failed septic systems. Available to owner-occu...
Rebate program for replacement of private water service lines connecting Smithfield homes to the municipal water main. P...
Emergency grant program for furnace and heating system repairs or replacement for low-income Smithfield homeowners facin...
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 Smithfield, 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 Smithfield, 14 programs do not require repayment, 2 are forgivable loans, and 6 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.