Find grants, rebates, forgivable loans, and free programs for Thornton, CO, filtered to your situation.
As of June 2026, 33 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Thornton, CO, with individual awards up to $126,526. 9 programs target seniors, 2 serve veterans, and 14 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 23 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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...
CDBG-funded grant program for Thornton homeowners with income at or below 80% AMI. Covers minor but essential home repai...
Rebates for qualifying high-efficiency air conditioners, air-source heat pumps, and mini-split systems installed in Xcel...
Rebates for attic, wall, and basement insulation upgrades. Includes air sealing and duct sealing when combined with insu...
Rebates for ENERGY STAR certified window and patio door replacements in Xcel Energy service territory. Enhanced rebates ...
Rebates for high-efficiency electric or natural gas water heaters, heat pump water heaters, and tankless water heaters. ...
Incentive payments for installing grid-connected solar photovoltaic systems on homes in Xcel Energy service territory. C...
Federally-funded Weatherization Assistance Program providing free comprehensive home energy upgrades for income-qualifie...
State-funded weatherization program complementing federal WAP, serving low-income households statewide. Provides energy ...
Down payment assistance and affordable mortgage financing for first-time homebuyers purchasing in Thornton and statewide...
CDBG-funded forgivable loan for major home repairs and rehabilitation in unincorporated Adams County and participating c...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas to repair, improve, or modernize ho...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to meet adaptive needs. ...
Grants for veterans with certain service-connected disabilities to adapt an existing home or buy an already adapted home...
Property tax exemption for qualifying seniors age 65+ who have owned and occupied their Colorado home for at least 10 co...
Allows qualifying seniors age 65+ to defer all or part of property taxes, which become a lien on the property with 6% an...
HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978 in Adams County. Priori...
CDBG-funded grant for accessibility modifications to owner-occupied homes in Thornton for residents with disabilities. C...
Emergency heating system repair and replacement assistance for low-income Thornton residents during the winter heating s...
Financial assistance for repair or replacement of private sewer laterals on owner-occupied properties in Thornton. Helps...
Assistance for replacement of aging or leaking private water service lines from the meter to the home. Helps homeowners ...
Grants for safety modifications to help seniors age 60+ remain safely in their homes. Covers grab bars, handrails, showe...
Federal HOME funds administered by state and local governments for owner-occupied rehabilitation. Provides forgivable lo...
Community Development Block Grant Disaster Recovery assistance for unmet needs after federally-declared disasters. Provi...
Grants to help Colorado homeowners in wildfire-prone areas harden their homes against wildfire risk. Covers fire-resista...
CDBG-funded forgivable loan for critical foundation repairs on owner-occupied homes in Thornton. Addresses expansive soi...
Matching grants for exterior restoration and preservation of designated historic properties and properties within histor...
Rebate for installation of radon mitigation systems in Thornton homes. Colorado has elevated radon levels in many areas;...
Financial assistance for converting from septic systems to city sewer when new sewer lines are extended to previously un...
Provides heating assistance to income-qualified Colorado households during the winter heating season. Offers crisis assi...
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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33 programs are currently listed for Thornton, 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 Thornton, 23 programs do not require repayment, 4 are forgivable loans, and 5 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.