Find grants, rebates, forgivable loans, and free programs for Sturgis, MI, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Sturgis, MI, with individual awards up to $126,526. 7 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 | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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...
Federally funded weatherization program providing free energy-efficiency upgrades to income-eligible Michigan households...
Provides 0% deferred loans to income-eligible Michigan homeowners for critical home repairs. Loan is deferred with no mo...
Emergency repair grants for income-eligible Sturgis homeowners facing immediate health and safety hazards. Covers essent...
Forgivable loans for comprehensive rehabilitation of owner-occupied homes in Sturgis. Loan is forgiven after 5 years of ...
Free lead hazard removal for St. Joseph County homes built before 1978 with children under 6 years old. Services include...
Provides grants to modify homes for accessibility for disabled or senior residents. Covers wheelchair ramps, bathroom mo...
Grants for repair or replacement of failing sewer laterals connecting homes to the city sewer system. Available to incom...
Rebates for energy-efficient appliances and improvements for Indiana Michigan Power customers in Sturgis. Includes heat ...
Enhanced rebate for qualifying air-source and geothermal heat pumps installed by Indiana Michigan Power customers. Rebat...
Comprehensive home energy rebates for natural gas customers. Includes rebates for furnaces, water heaters, insulation, a...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas to repair, improve, or modernize ho...
Grants for eligible veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home....
Grants for veterans with certain service-connected disabilities to make adaptations to their residence. Available to vet...
Federal HOME funds administered through MSHDA for owner-occupied rehabilitation. Provides forgivable loans for comprehen...
Minor home repair grants for seniors age 60+ to make safety and accessibility improvements. Covers grab bars, handrails,...
Emergency home repair grants activated following presidential disaster declarations in Michigan. Assists homeowners with...
Low-interest loans for energy efficiency and renewable energy improvements. Covers solar panels, geothermal systems, HVA...
Federal tax credit covering 30% of the cost of solar panel systems, including installation and battery storage. Credit c...
Michigan tax credit for homeowners and renters to offset property taxes or rent. Available to households with total hous...
Emergency assistance for households facing energy shutoff or depletion of primary heat source. Helps pay heating bills, ...
Low-interest loans to repair or replace failing septic systems. Available through participating Michigan counties for ho...
Rebates for energy-efficient electric water heaters including heat pump water heaters. Rebate amount varies based on wat...
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 Sturgis, 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 Sturgis, 16 programs do not require repayment, 3 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.