Find grants, rebates, forgivable loans, and free programs for Westfield, MA, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Westfield, MA, 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 | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | 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...
Provides free weatherization services including insulation, air sealing, and heating system improvements to income-eligi...
Zero-percent interest loans for high-efficiency heating and cooling systems, insulation, and air sealing improvements. A...
Rebates for installation of ducted and ductless heat pumps, including air-source and ground-source systems. Bonus rebate...
No-cost energy efficiency improvements for income-eligible households including insulation, air sealing, heating equipme...
Solar Massachusetts Renewable Target (SMART) program provides performance-based incentives for residential solar install...
Provides forgivable loans for comprehensive home rehabilitation for low- and moderate-income homeowners in Westfield. Lo...
Provides free lead paint inspection, risk assessment, and abatement for eligible Westfield properties built before 1978 ...
Provides grants for minor home repairs and accessibility modifications for Westfield seniors age 60+ who are owner-occup...
Provides accessibility modification grants for Westfield homeowners with disabilities. Covers ramps, bathroom modificati...
Low-interest loans for low-income homeowners in eligible rural areas of Westfield to repair, improve, or modernize their...
Grants for very-low-income homeowners age 62+ in eligible rural areas to remove health and safety hazards. Does not requ...
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 their home for accessibility. Covers adaptatio...
Low-interest mortgage loans and down payment assistance for first-time homebuyers in Massachusetts. Offers competitive r...
Federal HOME Investment Partnerships Program provides rental assistance and affordable housing opportunities for low-inc...
Low-interest loans for septic system repairs and replacements to meet Title 5 requirements. Rates as low as 0% for incom...
Provides housing stabilization services and financial assistance to individuals and families experiencing or at risk of ...
Low-Income Home Energy Assistance Program (LIHEAP) helps eligible households pay heating costs during winter months. Als...
Rebates for high-efficiency heating and cooling equipment including furnaces, boilers, central air conditioning, and wat...
Rebates covering 75% to 100% of insulation and air sealing costs after free home energy assessment. Income-eligible cust...
Property tax exemption for Westfield seniors age 70+ who meet income and asset requirements. Reduces annual property tax...
Allows homeowners age 65+ to defer payment of property taxes. Tax liability plus interest becomes a lien on the property...
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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26 programs are currently listed for Westfield, 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 Westfield, 17 programs do not require repayment, 1 is forgivable loan, 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.