Find grants, rebates, forgivable loans, and free programs for South Bend, IN, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in South Bend, IN, with individual awards up to $126,526. 7 programs target seniors, 3 serve veterans, and 13 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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 major home rehabilitation assistance for low-income owner-occupied households in South Bend. Forgivable loan co...
Provides emergency grants for immediate health and safety hazards in owner-occupied homes. Covers critical repairs inclu...
Provides home modifications to improve accessibility for elderly or disabled homeowners in South Bend. Covers wheelchair...
Provides free lead hazard reduction services for pre-1978 homes in South Bend with children under age 6. Services includ...
Assists South Bend homeowners with repair or replacement of private sewer laterals from home to city main. Forgivable lo...
NIPSCO offers rebates for energy-efficient upgrades including high-efficiency furnaces, water heaters, programmable ther...
Federal Weatherization Assistance Program (WAP) administered through Community Action of St. Joseph County. Provides fre...
Low-interest loan program for repair or replacement of failing septic systems in Indiana. Available to low-income homeow...
USDA provides loans and grants to very-low-income homeowners in eligible rural areas near South Bend to repair, improve,...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their disa...
Grant for veterans with certain service-connected disabilities to adapt a home to meet disability needs. Eligible disabi...
Federal HOME funds provide rehabilitation assistance for low-income homeowners in South Bend. Covers major systems repai...
Grant program specifically for senior homeowners age 62 and older in South Bend. Covers minor home repairs and modificat...
Federal investment tax credit for residential solar installations. Homeowners can claim 30% of the total cost of solar p...
Indiana homestead standard deduction reduces property taxes for owner-occupied primary residences. Provides a deduction ...
Additional property tax deduction for Indiana homeowners age 65 or older. Provides up to $14,000 additional deduction be...
Property tax deduction for Indiana veterans with service-connected disabilities. Deduction amount varies by disability r...
Rebate for installation of ENERGY STAR certified natural gas water heaters with energy factor of 0.67 or higher. Availab...
Rebate for installation of high-efficiency natural gas furnaces with AFUE rating of 95% or higher. Available to NIPSCO c...
Low Income Home Energy Assistance Program (LIHEAP) helps eligible South Bend households pay heating costs during winter ...
State tax credit for qualified rehabilitation of contributing historic properties in listed historic districts. South Be...
FEMA Flood Mitigation Assistance for properties with repetitive flood losses in St. Joseph County. Funds elevation, relo...
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 South Bend, 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 South Bend, 18 programs do not require repayment, 3 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.