Find grants, rebates, forgivable loans, and free programs for Traverse City, MI, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Traverse City, MI, 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 | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Federally-funded weatherization program administered by the State of Michigan to reduce energy costs for income-eligible...
State-administered lead hazard reduction program for pre-1978 homes with children under age 6. Services include lead-saf...
CDBG-funded rehabilitation loans for owner-occupied homes in Traverse City. Forgivable loan for major repairs including ...
Emergency repair grant for owner-occupied homes in Traverse City with urgent health and safety hazards. Covers immediate...
CDBG-funded accessibility modifications for owner-occupied homes in Traverse City where a disabled or elderly resident l...
Rebates for Consumers Energy customers who install qualifying energy-efficient upgrades. Includes insulation ($200-$1,20...
Enhanced rebates for qualified air-source and geothermal heat pumps for Consumers Energy customers. Rebates of $500-$2,5...
Free energy-efficiency upgrades for income-qualified Consumers Energy customers. Includes insulation, air sealing, LED l...
Incentive for Cherryland Electric Cooperative members installing residential solar photovoltaic systems. Members in cert...
USDA program for very low-income homeowners in eligible rural areas near Traverse City to repair or improve their homes....
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their accessibility needs. ...
Assists veterans with certain service-connected disabilities to adapt a home to meet accessibility needs. For veterans w...
Federally funded HOME program administered by MSHDA for home rehabilitation and repair for low-income homeowners. Funds ...
Refundable Michigan income tax credit for homeowners and renters whose property taxes exceed a percentage of their incom...
City program to assist homeowners with water service line repairs or replacements from the main to the home. Priority fo...
Low-interest loan program for homeowners needing to repair or replace their private sewer lateral line. Loan repaid thro...
Emergency and minor home repair grants for low-income seniors age 60+ in Grand Traverse County. Covers accessibility mod...
Home repair and rehabilitation assistance for enrolled members of the Grand Traverse Band living in the service area. In...
State-funded program providing forgivable loans for major home repairs and rehabilitation for low-to-moderate income hom...
Low-interest loan program for homeowners in Michigan to finance energy-efficiency and renewable energy upgrades. Covers ...
State disaster recovery program activated following federally declared disasters. Provides grants for home repairs and r...
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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25 programs are currently listed for Traverse City, 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 Traverse City, 18 programs do not require repayment, 2 are forgivable loans, 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.