Find grants, rebates, forgivable loans, and free programs for Somerville, MA, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Somerville, MA, 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 | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | 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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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 forgivable loans for income-qualified owner-occupants in Somerville to address major home repairs and code v...
Provides free lead paint testing and removal for Somerville homes built before 1978 with children under 6 or pregnant re...
Free comprehensive home energy assessment including installation of LED bulbs, programmable thermostats, low-flow shower...
Zero-percent interest loan for qualified energy efficiency improvements including insulation, air sealing, heating/cooli...
Rebates for air-source and ground-source heat pumps including ductless mini-splits and central systems. Incentives range...
Federally funded weatherization services at no cost for income-qualified households (at or below 60% state median income...
Low-interest loan program for repair or replacement of failed septic systems, including Title 5 compliance upgrades. Fix...
Allows eligible seniors (65+) and disabled homeowners to defer payment of property taxes. Deferred taxes become a lien o...
Annual property tax exemption for Somerville residents age 70 or older who have owned and occupied their home for at lea...
CDBG-funded grants for accessibility modifications for households with a disabled resident. Covers ramps, bathroom modif...
Grant for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. Eligible ...
Grant for veterans with certain service-connected disabilities to adapt a home for accessibility. Eligible disabilities ...
Rebate for residential solar photovoltaic installations through Massachusetts SMART (Solar Massachusetts Renewable Targe...
Unsecured loan program for residential solar photovoltaic and battery storage installations. Fixed rates starting at app...
Allows Somerville residents age 60+ to volunteer for city departments in exchange for property tax or rent credits. Part...
Emergency grant for qualifying homeowners facing urgent water service line or sewer lateral failures. Covers repair or r...
State tax credit equal to 20% of qualified rehabilitation expenditures for income-producing historic properties. Can be ...
State tax credit for developers of qualified affordable rental housing. Provides 10% credit on eligible development cost...
Enhanced no-cost weatherization for income-qualified households (at or below 60% state median income). Includes comprehe...
Rebate for purchase and installation of Level 2 home electric vehicle charging equipment. Provides up to $1,000 toward c...
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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24 programs are currently listed for Somerville, 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 Somerville, 16 programs do not require repayment, 1 is forgivable loan, 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.