Find grants, rebates, forgivable loans, and free programs for Urbana, IL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Urbana, IL, with individual awards up to $126,526. 7 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 | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Provides forgivable loans for major home repairs to income-eligible owner-occupants in Urbana. Loan is forgiven after 5 ...
Provides emergency repair grants for owner-occupied households in Urbana with income at or below 50% AMI. Addresses imme...
Provides forgivable loans for accessibility modifications to owner-occupied homes in Urbana for seniors and persons with...
Assists income-eligible Urbana homeowners with repair or replacement of private sewer laterals from the home to the city...
HUD-funded program to eliminate lead-based paint hazards in Champaign County homes built before 1978 where children unde...
Federally funded program administered by the State of Illinois to reduce energy costs through weatherization improvement...
Provides rebates to Ameren Illinois electric customers for energy-efficient home improvements including HVAC upgrades, i...
Provides free energy efficiency upgrades to income-qualified Ameren Illinois customers including LED light bulbs, smart ...
Provides rebates to Ameren Illinois customers for installation of qualifying air-source or ground-source heat pumps. Hig...
Provides rebates through the Illinois Shines program for installation of residential solar photovoltaic systems. Rebate ...
Provides grants to income-eligible Illinois homeowners for accessibility modifications for household members with disabi...
Provides home repair and modification grants to low-income seniors age 60+ in Illinois. Administered through local Area ...
Provides low-interest loans and grants to very-low-income homeowners in rural areas (including eligible areas near Urban...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their disability-related ne...
Helps veterans with certain service-connected disabilities adapt a family member's home or their own home where they tem...
Provided mortgage payment assistance and principal reduction to eligible homeowners affected by unemployment or underemp...
Provides low-interest loans to Illinois homeowners for energy efficiency and renewable energy improvements. Covers solar...
Federal HOME funds administered through local municipalities and nonprofits to provide owner-occupied rehabilitation ass...
Freezes the equalized assessed value (EAV) of a primary residence for eligible senior homeowners age 65+ with household ...
Reduces the equalized assessed value of owner-occupied primary residences in Illinois by $6,000, lowering property tax b...
Reduces the equalized assessed value of owner-occupied primary residences by an additional $8,000 for homeowners age 65+...
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 Urbana, 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 Urbana, 17 programs do not require repayment, 2 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.