Find grants, rebates, forgivable loans, and free programs for Southbridge, MA, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Southbridge, MA, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 14 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 | 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...
Federally-funded weatherization program that provides comprehensive energy efficiency improvements to income-eligible ho...
State-funded program providing grants and zero-interest loans to remove lead paint hazards from homes where children und...
Rebates for ductless mini-split and central air-source heat pumps installed by qualified contractors. Income-eligible cu...
Rebates covering 75% to 100% of insulation and air sealing costs after a no-cost home energy assessment. Income-eligible...
Massachusetts SMART program pays residential solar owners for electricity generated over 10-20 years. Combined with fede...
CDBG-funded program providing forgivable loans for major home repairs to low- and moderate-income homeowners in Southbri...
Zero-percent interest loan program for homeowners who need to repair or replace failed septic systems. Loans up to $40,0...
Allows Southbridge residents age 60+ to volunteer for town departments and earn credits of up to $1,500 applied directly...
State tax credit for Massachusetts homeowners age 65+ whose property tax exceeds 10% of total income. Credit is refundab...
Provides loans up to $40,000 and grants up to $10,000 for very-low-income homeowners in eligible rural areas to repair o...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet adaptive needs. C...
Grant for veterans with certain service-connected disabilities to make accessibility modifications to a home owned by th...
Provides grants to make homes accessible for residents with disabilities. Covers ramps, stair lifts, widened doorways, a...
Below-market-rate home improvement loans through MassHousing-approved lenders for repairs and renovations. Fixed interes...
Rebates for high-efficiency water heaters including heat pump water heaters, tankless gas units, and indirect-fired syst...
Low-interest loans for residential solar installations through participating lenders. Rates typically 3-5% for terms up ...
Rebates for Level 2 electric vehicle home charging equipment and installation costs. Income-eligible customers receive e...
Rebates for ENERGY STAR certified replacement windows and doors. Requires a Mass Save home energy assessment first. Inco...
Rapid-response grant for emergency home repairs that pose immediate threat to health and safety. Priority for seniors an...
State tax credit equal to 20% of qualified rehabilitation expenses for certified historic homes. Can be combined with 20...
Community Preservation Act funds available for historic preservation, affordable housing creation, and open space projec...
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 Southbridge, 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 Southbridge, 14 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.