Find grants, rebates, forgivable loans, and free programs for Stillwater, MN, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Stillwater, MN, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 12 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 | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | 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...
Minnesota Housing provides deferred, low-interest loans to eligible homeowners for major home repairs and improvements. ...
HUD-funded program providing free lead hazard assessment and remediation for homes built before 1978 with children under...
Washington County's Community Development Block Grant program provides forgivable loans for owner-occupied home improvem...
Xcel Energy offers rebates for installing qualifying ENERGY STAR certified air source heat pumps in Stillwater. Rebate a...
In-home energy assessment and installation of energy-saving improvements including LED bulbs, low-flow showerheads, prog...
Rebates for adding insulation to attics, walls, and basements, as well as air sealing services. Customers must complete ...
Incentive program for residential solar PV installations. Xcel purchases renewable energy credits from solar customers f...
Subsidized air conditioning tune-up service performed by participating contractors. Service includes inspection, cleanin...
Property Assessed Clean Energy (PACE) financing for energy efficiency and renewable energy improvements on commercial an...
Very low-interest loans (1%) and grants for very low-income homeowners age 62+ to repair, improve, or modernize their ho...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their disa...
Grant for veterans with certain service-connected disabilities to adapt a home to meet their accessibility needs. Eligib...
Matching grants for owners of contributing properties within Stillwater's historic districts. Funds exterior preservatio...
Low-interest loans for repairing or replacing failing septic systems. Administered through local lenders with interest r...
Combines energy efficiency improvements with critical home repairs for income-eligible homeowners served by Xcel Energy....
Grants to help homeowners with disabilities make accessibility modifications to their homes. Covers ramps, lifts, widene...
Grants for senior homeowners (age 55+) in the Twin Cities metro area (including Stillwater) to make home modifications t...
Property tax relief for homeowners with household income below $128,280. Refund amount depends on income and property ta...
Property tax refund for renters with household income below $70,520. A portion of rent is considered to be property tax ...
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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23 programs are currently listed for Stillwater, 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 Stillwater, 17 programs do not require repayment, 1 is forgivable loan, and 2 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.