Find grants, rebates, forgivable loans, and free programs for Waltham, MA, filtered to your situation.
As of June 2026, 27 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Waltham, MA, with individual awards up to $126,526. 6 programs target seniors, 3 serve veterans, and 17 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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...
State-funded weatherization services for income-eligible households including insulation, air sealing, and heating syste...
Rebates for air-source heat pump installations through the Mass Save energy efficiency program. Includes enhanced rebate...
Rebates covering 75% to 100% of insulation costs depending on household income. Includes attic, wall, and basement insul...
Rebates for high-efficiency water heaters including heat pump water heaters, tankless gas models, and indirect systems. ...
Low-interest loans for septic system repair and replacement for eligible Massachusetts homeowners. Loans can be used for...
Free lead paint removal and abatement for properties where a child under 6 has been identified with elevated blood lead ...
Solar Massachusetts Renewable Target (SMART) provides fixed per-kWh incentives for solar installations over 10 years. Ad...
Property tax exemptions for seniors, veterans, blind residents, surviving spouses, and disabled persons. Exemption amoun...
Allows Waltham seniors age 60+ to volunteer for the city in exchange for property tax credits up to $1,500 per year. Par...
Forgivable loans for major home repairs and rehabilitation for low-income Waltham homeowners. Loan is forgiven after 5 y...
Grants for emergency home repairs that pose immediate health or safety threats to very low-income Waltham homeowners. Th...
Forgivable loans for home accessibility modifications for low-income homeowners with disabilities or seniors. Includes r...
Low-interest loan program for residential solar and battery storage installations. Offers financing for solar photovolta...
Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair or improve homes. Grants ...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their disability...
Grants for veterans with certain service-connected disabilities to modify a home to meet their needs. For veterans with ...
State tax credit equal to 20% of qualified rehabilitation expenditures for income-producing historic properties. Can be ...
Additional incentive for battery storage systems installed with solar panels in Eversource territory. Provides adder pay...
Rebates for small wind turbine installations at residential properties in Massachusetts. Program is currently unfunded; ...
Refundable state tax credit for seniors age 65+ who own or rent their primary residence in Massachusetts. Credit based o...
Rebate for qualifying Wi-Fi-enabled smart thermostats through Mass Save. Helps reduce heating and cooling costs with aut...
Rebates for qualifying ENERGY STAR appliances including clothes washers, dryers, refrigerators, and dehumidifiers. Helps...
Low-interest financing for sewer and septic system upgrades administered through municipalities. Contact Waltham Departm...
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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27 programs are currently listed for Waltham, 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 Waltham, 15 programs do not require repayment, 2 are forgivable loans, and 6 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.