Find grants, rebates, forgivable loans, and free programs for Southgate, MI, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Southgate, MI, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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 loan program for major home repairs to income-eligible owner-occupied homes in Southgate. Loan is...
Emergency repair grant for owner-occupied homes in Southgate facing immediate health and safety hazards. Covers urgent r...
CDBG-funded grant program to make accessibility modifications to owner-occupied homes in Southgate for disabled or elder...
HUD-funded program administered by Wayne County to reduce lead-based paint hazards in qualifying homes built before 1978...
Federally funded weatherization program administered by the State of Michigan providing free energy efficiency upgrades ...
Low-interest loan program through MSHDA for necessary home improvements for income-eligible Michigan homeowners. Loans a...
Free home energy audit for DTE Energy customers in Southgate. Professional energy advisor identifies energy-saving oppor...
Cash rebates for DTE Energy customers in Southgate who install qualifying high-efficiency furnaces, air conditioners, he...
Enhanced rebates for qualifying ductless mini-split and air-source heat pump installations. DTE Energy offers higher inc...
Cash rebates for DTE Energy customers who add insulation to attics, walls, or crawl spaces. Rebate amounts based on squa...
Net metering program for DTE Energy customers who install rooftop solar panels in Southgate. Receive credits on electric...
Cash rebates for DTE Energy customers who install qualifying high-efficiency water heaters, including tankless, heat pum...
Grant program for senior homeowners age 60+ in Wayne County facing minor home repair needs. Covers emergency repairs and...
USDA program offering low-interest loans and grants for very low-income homeowners to repair, improve, or modernize home...
Grant for veterans with certain service-connected disabilities to purchase or modify a home to meet accessibility needs....
Grant for veterans with certain service-connected disabilities to modify a home for accessibility. Covers adaptations li...
State-funded program to eliminate lead hazards in homes with children under 6 or elevated blood lead levels. Provides co...
Grant program for income-eligible Southgate homeowners facing emergency sewer lateral repairs. Covers the cost of repair...
Grant to assist income-eligible Southgate homeowners with water service line repairs or replacement. Covers the cost of ...
Down payment and closing cost assistance for first-time homebuyers in Michigan purchasing in targeted counties including...
Low-interest financing for energy efficiency and renewable energy improvements to Michigan homes. Loans available for HV...
Property tax exemption for Southgate homeowners experiencing poverty or financial hardship. Qualified applicants may rec...
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 Southgate, 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 Southgate, 17 programs do not require repayment, 2 are forgivable loans, and 4 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.