Find grants, rebates, forgivable loans, and free programs for St. Charles, IL, filtered to your situation.
As of June 2026, 22 home improvement grant, rebate, and forgivable loan programs are open to homeowners in St. Charles, IL, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 10 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 | 2 | 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...
Federally funded program providing free energy efficiency improvements for income-eligible Illinois households. Services...
Forgivable loan for modifications that make a home accessible for a person with disabilities. Loan is forgiven after 10 ...
CDBG-funded program providing forgivable loans for major home repairs for low-income homeowners in Kane County. Loan for...
State-funded program to remove lead-based paint hazards in homes built before 1978 where children under 6 reside. Servic...
ComEd offers rebates for energy-efficient home improvements including smart thermostats, insulation, air sealing, and ef...
Free energy efficiency upgrades for income-eligible ComEd customers including LED bulbs, air sealing, insulation, refrig...
Rebates for high-efficiency natural gas equipment including furnaces, boilers, water heaters, and smart thermostats. Ava...
Free weatherization and energy efficiency improvements for income-eligible Nicor Gas customers. Services include insulat...
Illinois Shines provides incentive payments for residential solar installations through Adjustable Block Program. Incent...
Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair or improve their homes. G...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their needs. Cove...
Grant for veterans with certain service-connected disabilities to adapt a home for independent living. Eligibility inclu...
CDBG-funded emergency repair grant for low-income homeowners facing health and safety hazards. Covers immediate repairs ...
Grant program for Kane County seniors (60+) to make minor home repairs and safety modifications that allow aging in plac...
Matching grant for exterior rehabilitation of contributing structures in St. Charles Historic District. Eligible project...
Rebate for installation of qualifying air-source or ground-source heat pumps. Rebate amount varies by system type and ef...
Cost-share program to assist homeowners with repair or replacement of private sanitary sewer laterals. City reimburses 5...
Grant for low-income Kane County homeowners to repair or replace failing septic systems posing a public health hazard. I...
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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22 programs are currently listed for St. Charles, 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 St. Charles, 16 programs do not require repayment, 2 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.