Find grants, rebates, forgivable loans, and free programs for Sterling Heights, MI, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Sterling Heights, MI, with individual awards up to $126,526. 9 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 | 6 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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 administered by Michigan that provides free weatherization services to income-qualified househo...
Forgivable loan program for Michigan homeowners who need critical home repairs. Loan is forgiven after 5 years of contin...
HUD-funded program to eliminate lead-based paint hazards in homes built before 1978 with children under age 6. Services ...
CDBG-funded program providing major home rehabilitation for income-qualified Sterling Heights homeowners. Forgivable loa...
Provides emergency repair grants for owner-occupied households in Sterling Heights with income at or below 50% AMI. Cove...
Provides grants for accessibility modifications to homes of Sterling Heights residents with disabilities. Covers ramps, ...
Grant program for Sterling Heights homeowners age 62 and older to address minor home repairs and maintenance. Covers hea...
Provides forgivable loans to assist Sterling Heights homeowners with the cost of repairing or replacing damaged sewer la...
Free home energy assessment from DTE Energy identifying ways to reduce energy use. Includes instant energy-saving produc...
Rebates for Sterling Heights homeowners who install qualifying high-efficiency furnaces, boilers, and central air condit...
Rebates for Sterling Heights customers who install qualifying electric air-source or geothermal heat pumps. Higher rebat...
Rebates for Sterling Heights customers who install high-efficiency natural gas water heaters or tankless water heaters. ...
Rebates for Sterling Heights homeowners who add insulation and air sealing to their homes. Covers attic, wall, and rim j...
Free energy efficiency services for income-qualified DTE customers including insulation, air sealing, furnace repair or ...
Rebates for Sterling Heights homeowners who are Consumers Energy customers installing energy-efficient equipment. Includ...
Federal tax credit covering 30% of the cost of installing solar panels and battery storage on your Sterling Heights home...
DTE Energy customers in Sterling Heights with solar panels receive bill credits for excess solar energy sent back to the...
Forgivable loans for income-qualified Macomb County homeowners to repair or replace failing septic systems. Loan is forg...
Low-interest loans and grants for very low-income homeowners in eligible rural areas near Sterling Heights to repair or ...
Grants for Sterling Heights veterans with certain service-connected disabilities to adapt or purchase a home to accommod...
Grants for Sterling Heights veterans with service-connected disabilities to make adaptations to their home or a family m...
HUD HOME funds administered by Macomb County for owner-occupied home rehabilitation in Sterling Heights. Forgivable loan...
Low-interest financing for Sterling Heights homeowners making energy efficiency or renewable energy improvements. Loans ...
Allows Sterling Heights homeowners age 62+ with income below $40,000 to defer winter property tax payments. Tax becomes ...
Emergency assistance for Macomb County veterans facing housing crises including home repairs, utility shutoff, or forecl...
Federally funded weatherization services for income-qualified Sterling Heights residents administered by Macomb County. ...
State-funded home repair program for income-qualified Michigan homeowners to address critical health and safety issues. ...
Provides home heating assistance and crisis intervention to eligible Michigan households through local MDHHS offices. He...
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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32 programs are currently listed for Sterling Heights, 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 Sterling Heights, 18 programs do not require repayment, 6 are forgivable loans, and 6 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.