Find grants, rebates, forgivable loans, and free programs for Waterbury, CT, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Waterbury, CT, with individual awards up to $126,526. 7 programs target seniors, 3 serve veterans, and 17 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 7 | 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...
Federal and state-funded program that provides free energy efficiency improvements to income-eligible Connecticut househ...
Low-interest loan program for homeowners to finance major home repairs and improvements. Offers competitive rates and fl...
CDBG-funded program providing forgivable loans for major home repairs to income-eligible homeowners in Waterbury. Loan i...
HUD-funded program providing free lead hazard control and abatement services for eligible Waterbury households with chil...
Provides emergency repair grants for immediate health and safety hazards in owner-occupied homes. Covers urgent issues s...
Provides grants for accessibility modifications to owner-occupied homes for residents with disabilities. Covers ramps, b...
Targeted repair assistance for Waterbury homeowners age 62 and older. Provides grants for essential home repairs and min...
Low-interest loan program to help homeowners repair or replace failing sewer lateral lines from the home to the municipa...
Comprehensive home energy assessment and rebates for insulation, air sealing, and efficiency upgrades. Income-eligible h...
Enhanced rebates for heat pump installations including air-source and cold-climate heat pumps. Combines Eversource rebat...
Performance-based incentive for residential solar installations in Waterbury. Provides upfront payments based on system ...
Low-interest financing for residential solar and energy efficiency improvements. Competitive rates and flexible terms ma...
Low-interest loans and grants for very low-income homeowners in eligible rural areas near Waterbury to repair, improve, ...
Grant for Veterans with certain service-connected disabilities to construct or modify a home to accommodate mobility lim...
Grant for Veterans with qualifying service-connected disabilities to adapt a home for independent living. Lower grant am...
State program providing lead inspection, risk assessment, and consultation for Connecticut homes. With Waterbury's 42% p...
Federal HOME Investment Partnerships funds administered by the City of Waterbury for comprehensive rehabilitation of own...
Rebates for energy-efficient electric water heater installations including heat pump water heaters. Reduces energy costs...
State tax credit for rehabilitation of historic homes in Connecticut. Properties must be listed on the National Register...
Rebates for ENERGY STAR certified appliances including refrigerators, clothes washers, and dehumidifiers. Reduces energy...
Rebates for high-efficiency natural gas furnaces and boilers installed in Waterbury homes served by Southern Connecticut...
Rebates for ENERGY STAR certified natural gas water heaters including tankless models. Reduces water heating costs for W...
City property tax credit for Waterbury homeowners age 65 and older who meet income and residency requirements. Reduces t...
State-authorized local option property tax freeze for Waterbury homeowners age 70+ who meet income limits. Locks propert...
State rebate for elderly or disabled Connecticut renters who meet income limits. Provides relief from property taxes ind...
Property tax exemption for Waterbury homeowners who are totally and permanently disabled. Reduces the assessed value of ...
Property tax exemption for honorably discharged Veterans who served during wartime. Reduces assessed value of home by $1...
Helps eligible Connecticut households pay winter heating bills and provides crisis assistance for energy emergencies. Ap...
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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32 programs are currently listed for Waterbury, 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 Waterbury, 20 programs do not require repayment, 1 is forgivable loan, and 7 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.