Find grants, rebates, forgivable loans, and free programs for Wilmington, NC, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Wilmington, NC, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 9 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | 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...
Federally funded weatherization program that reduces energy costs by improving home energy efficiency through insulation...
Provides deferred forgivable loans for major home repairs to low-income homeowners in Wilmington city limits. Loan is fo...
Grant program for emergency repairs that pose immediate threats to health and safety for very low-income homeowners. Pri...
Provides grants for accessibility modifications to homes occupied by disabled or elderly residents. Covers ramps, widene...
HUD-funded program to reduce lead-based paint hazards in homes built before 1978 with children under age 6. Services inc...
Low-interest loan program for major home repairs and improvements available statewide. Loans have favorable terms with i...
Provides loans and grants to very low-income homeowners in eligible rural areas near Wilmington to repair, improve, or m...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to meet accessibility needs. ...
Grant for veterans with certain service-connected disabilities to adapt a family member's home where they will reside. A...
Rebate for residential customers who install qualifying high-efficiency heat pumps. Must meet minimum efficiency ratings...
Comprehensive home energy efficiency program offering rebates for insulation, air sealing, duct improvements, water heat...
State tax credit for solar photovoltaic systems. Note: residential credit expired in 2015, but homeowners can still clai...
Grants to assist low-income homeowners with the cost of repairing or replacing failing private sewer laterals. Priority ...
Matching grant for exterior restoration and preservation work on contributing structures in designated local historic di...
State disaster recovery assistance for homeowners affected by federally-declared disasters (hurricanes, floods). Provide...
Provides minor home repairs and safety modifications for low-income seniors age 60+ in New Hanover County. Covers grab b...
Federal HOME funds for owner-occupied rehabilitation addressing code violations, health and safety hazards, and accessib...
Free energy efficiency upgrades for income-qualified Duke Energy customers including LED bulbs, weatherization kits, wat...
Federal HOPWA program providing housing assistance including home repairs for low-income persons living with HIV/AIDS. C...
Rebate for CFPUA water customers who install high-efficiency water heaters. Covers tankless gas, tankless electric, 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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24 programs are currently listed for Wilmington, 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 Wilmington, 18 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.