Find grants, rebates, forgivable loans, and free programs for White Bear Lake, MN, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in White Bear Lake, MN, with individual awards up to $500,000. 5 programs target seniors, 2 serve veterans, and 13 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 13 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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...
Federally funded program providing free weatherization services to income-eligible Minnesota residents. Services include...
Low-interest deferred loan program for income-eligible Minnesota homeowners to make necessary home repairs and improveme...
Provides emergency home repair assistance to income-qualified homeowners in Ramsey County for critical health and safety...
HUD-funded program to eliminate lead-based paint hazards in Minnesota homes built before 1978 with children under age 6 ...
Heavily subsidized in-home energy assessment and instant improvements including LED bulbs, water heater pipe wrap, air s...
Rebates for qualifying air source heat pumps installed in Xcel Energy electric service territory. Rebate amounts vary ba...
Free pickup and recycling of working refrigerators and freezers with a $75 rebate per unit. Helps reduce energy costs by...
Rebates for attic, wall, and basement insulation improvements that meet program requirements. Must complete preapproval ...
Rebates for qualifying high-efficiency natural gas furnaces installed in CenterPoint Energy service territory. Rebate am...
Instant rebate on qualifying smart thermostats purchased through CenterPoint Energy's online marketplace. Smart thermost...
Performance-based incentive for installing solar panels on your home. Xcel pays for the renewable energy credits your sy...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas to repair or improve their homes. G...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their needs. Cove...
Grant for veterans with certain service-connected disabilities to modify their home or a family member's home. Smaller g...
Allows qualifying seniors (65+) to defer payment of property taxes on their homestead. The state pays the taxes and plac...
Refund program for Minnesota homeowners whose property taxes exceed a certain percentage of their household income. Part...
Forgivable loans for accessibility modifications to owner-occupied homes in White Bear Lake for residents with disabilit...
Low-interest loans to White Bear Lake property owners for repair or replacement of private sewer and water laterals. Hel...
CDBG-funded forgivable loans for major home rehabilitation for income-qualified White Bear Lake homeowners. Covers major...
Down payment and closing cost assistance for first-generation homebuyers (neither parent owned a home). Available statew...
Competitive grants to Metro cities and towns for development and redevelopment projects that connect housing, jobs, and ...
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 White Bear Lake, 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 White Bear Lake, 13 programs do not require repayment, 5 are forgivable loans, and 5 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.