Find grants, rebates, forgivable loans, and free programs for Waterloo, IA, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Waterloo, IA, with individual awards up to $126,526. 10 programs target seniors, 3 serve veterans, and 8 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 | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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 forgivable loan program for major home repairs in owner-occupied properties within Waterloo city limits. Hou...
Provides emergency grants for urgent health and safety repairs in owner-occupied homes within Waterloo. Households at or...
CDBG-funded program providing accessibility modifications for elderly or disabled homeowners in Waterloo. Covers ramps, ...
Grant program to assist Waterloo homeowners with private sewer lateral repairs or replacements. Aimed at reducing inflow...
Federally funded program administered by Hawkeye Area Community Action Program (HACAP) providing free weatherization ser...
Rebates for natural gas and electric customers in Waterloo who upgrade to energy-efficient equipment. Includes furnaces,...
Rebate for MidAmerican Energy electric customers who install qualifying air-source or geothermal heat pumps in Waterloo....
Rebate for electric customers who purchase and install qualifying smart thermostats. Helps reduce energy usage through a...
Iowa state tax credit for residential solar photovoltaic installations. Provides a tax credit equal to 15% of federal so...
USDA program for very-low-income homeowners in eligible rural areas near Waterloo to repair, improve, or modernize dwell...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Av...
Helps veterans with certain service-connected disabilities adapt a family member's home in which they will reside. Cover...
Down payment and closing cost assistance for first-time homebuyers in Waterloo purchasing a primary residence. Provides ...
Low-Income Home Energy Assistance Program (LIHEAP) helps eligible Waterloo households pay heating costs during winter mo...
Property tax credit for Iowa homeowners age 65+ or disabled with household income below $25,213 (2024). Reduces property...
Federal HOME funds administered by Iowa Finance Authority provide rehabilitation assistance to low-income homeowners in ...
Grant program for Black Hawk County seniors age 62+ to address minor home repairs and safety hazards. Helps elderly home...
Free lead hazard assessment and remediation for families with children under age 6 living in pre-1978 homes in Waterloo....
Cedar Valley Habitat for Humanity provides critical home repairs to income-eligible homeowners in Waterloo. Focus on hea...
Volunteer-driven program providing free critical home repairs to low-income homeowners in Waterloo, with focus on elderl...
Enhanced weatherization services for priority households in Waterloo including seniors 60+, disabled individuals, and fa...
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 Waterloo, 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 Waterloo, 17 programs do not require repayment, 4 are forgivable loans, and 3 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.