Find grants, rebates, forgivable loans, and free programs for Spokane, WA, filtered to your situation.
As of June 2026, 39 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Spokane, WA, with individual awards up to $420,680. 7 programs target seniors, 2 serve veterans, and 19 require no income limit.
Data last verified 2026-05-24. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 10 | Refunded to you after purchase | Energy-efficiency upgrades |
Not sure which program fits? Email us what you need. It is free, and a real person answers.
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 free energy efficiency upgrades to income-qualified households in Spokane County. Services include insulation, ...
Provides forgivable loans for major home repairs to low-income owner-occupants in Spokane city limits. Loan is forgiven ...
Grants for urgent health and safety repairs to owner-occupied homes in Spokane. Priority given to seniors and persons wi...
Rebate for installing qualifying ductless heat pumps in Avista electric service territory. Rebate amount varies by syste...
Rebates for adding insulation and air sealing to attics, walls, and crawl spaces in Avista gas or electric service terri...
Instant rebate on purchase of qualifying ENERGY STAR smart thermostats through participating retailers in Avista service...
Rebates for installing high-efficiency natural gas water heaters or heat pump water heaters in Avista service territory....
Rebates for replacing single-pane windows with ENERGY STAR certified windows in electrically heated homes. Rebate amount...
Low-interest home repair loans for moderate-income homeowners statewide. Covers essential repairs including roofing, plu...
Low-interest loans for very-low-income homeowners in eligible rural areas near Spokane to repair, improve, or modernize ...
Grants for very-low-income homeowners age 62+ in eligible rural areas to remove health and safety hazards. Does not need...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disabili...
Grant for veterans with certain service-connected disabilities to make accessibility adaptations to a family member's ho...
Grants for accessibility modifications to owner-occupied homes in unincorporated Spokane County. Covers wheelchair ramps...
HUD-funded program to eliminate lead-based paint hazards in pre-1978 homes with children under age 6 in Spokane County. ...
Provides minor home safety modifications for seniors age 60+ in Spokane County to support aging in place. Covers grab ba...
Low-interest loans for repair or replacement of private sewer laterals in Spokane city limits. Helps homeowners address ...
Low-interest loans for repair or replacement of failing septic systems in unincorporated Spokane County. Protects ground...
Forgivable loans for down payment and closing cost assistance for first-time homebuyers in Spokane. Loan forgiven after ...
State matching funds that increase utility rebates for income-qualified households making energy efficiency improvements...
Grants to install radon mitigation systems in homes with elevated radon levels in Spokane County. Priority given to home...
Professional home energy audit for only $50 (normally $400+ value). Certified auditor performs blower door test, thermal...
Matching grants for exterior rehabilitation of historic homes in Spokane Register Historic Districts or individually-lis...
Rebates for planting qualifying shade trees on private property in Spokane city limits. Trees help reduce energy costs t...
Free smoke alarms and professional installation by Spokane firefighters for residents who cannot afford or install them....
Production incentive for qualifying solar installations. Note: This program is closed to new applicants but existing par...
Home repair assistance for enrolled Spokane Tribe members residing on or near the Spokane Indian Reservation. Addresses ...
FHA-insured mortgage that rolls renovation costs into a single loan for purchase or refinance. Allows buyers to finance ...
Enhanced weatherization services for low-income Avista customers in partnership with SNAP. Covers insulation, air sealin...
Home repair grants activated following federally-declared disasters in Washington State. Assists uninsured or underinsur...
Small repair grants for senior and disabled homeowners in Spokane city limits. Addresses minor but essential repairs tha...
Rebates for purchasing ENERGY STAR certified refrigerators, clothes washers, and other qualifying appliances. Rebate amo...
Forgivable loans for major home repairs in unincorporated Spokane County. Addresses code violations, health and safety i...
Rebates for installing water-efficient toilets, irrigation controllers, rain sensors, and other water-saving devices. He...
Assists income-eligible Washington households with heating costs through Community Action Agencies statewide. Provides 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.
These contractors specialize in grant-funded projects and understand the documentation requirements.
No contractors listed yet, be the first in this market.
Tell us about your project. We'll connect you with contractors in your city who've completed grant-funded work and know the program documentation.
We'll email you when new programs open, deadlines approach, or funding runs low.
39 programs are currently listed for Spokane, 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 Spokane, 20 programs do not require repayment, 3 are forgivable loans, and 10 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.