Find grants, rebates, forgivable loans, and free programs for Wilmington, DE, filtered to your situation.
As of June 2026, 38 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Wilmington, DE, with individual awards up to $126,526. 9 programs target seniors, 2 serve veterans, and 18 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 25 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 8 | 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 providing free energy efficiency upgrades to income-qualified Delaware household...
Deferred-payment loan program for major home repairs to Delaware owner-occupied homes. Loan is deferred (0% interest, no...
CDBG-funded grant for emergency home repairs that pose immediate health or safety threats to low-income Wilmington homeo...
HUD-funded program providing free lead hazard reduction services to Delaware homes built before 1978 where children unde...
Rebate for qualifying electric heat pump installations in Delmarva Power service territory. Incentivizes efficient heati...
Rebate for attic and wall insulation upgrades performed by qualified contractors in Delmarva Power service territory. Re...
Rebate for energy-efficient electric heat pump water heaters installed in Delmarva Power service territory. Replaces con...
Rebates for ENERGY STAR certified appliances including refrigerators, dishwashers, and clothes washers. Encourages repla...
CDBG-funded grant for ADA accessibility modifications to owner-occupied homes in Wilmington. Includes wheelchair ramps, ...
Grant program for home repairs and weatherization improvements for Wilmington homeowners age 62 and older. Helps seniors...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas near Wilmington to repair, improve,...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their disa...
Grant for veterans with certain service-connected disabilities to adapt a family member's home in which they reside, or ...
State rebate for residential solar photovoltaic installations in Delaware. Incentive is in addition to federal tax credi...
Comprehensive home energy audit for $50 (subsidized from typical $400 cost). Professional auditor identifies energy wast...
Cost-sharing grant for repair or replacement of private sewer laterals for Wilmington homeowners. City covers up to 50% ...
Assistance program to replace lead water service lines in Wilmington. Artesian Water replaces utility-owned portion; hom...
Deferred second mortgage loan up to $15,000 (or 5% of purchase price) to help first-time homebuyers with down payment an...
HUD-approved homebuyer education course required for most down payment assistance programs. Covers budgeting, credit, mo...
Annual property tax credit of up to $500 for Delaware homeowners age 65 or older with income below $75,000. Credit reduc...
State tax credit equal to 20% of qualified rehabilitation expenses for contributing historic properties in Delaware. Can...
Federally-funded heating and cooling assistance for low-income Delaware households. Provides direct payment to utility c...
Emergency heating system repair for low-income Delaware households during winter months. Covers furnace/boiler repairs u...
Monthly discount on electric bills for income-qualified Delmarva Power customers. Provides 20-30% reduction in monthly c...
Monthly discount on water bills for income-qualified Artesian Water customers in Wilmington area. Provides 25% reduction...
Rebate for planting shade trees on residential properties in Delaware. Strategically placed trees can reduce summer cool...
Rebate for installing rain barrels, cisterns, or other rainwater harvesting systems on Wilmington properties. Reduces st...
Free radon test kits for all Delaware homeowners plus discounted radon mitigation system installation for low-income hou...
Free asbestos testing and professional referrals for Delaware homeowners concerned about asbestos in homes built before ...
Community land trust model offering permanently affordable homeownership in Wilmington. Homebuyers purchase the home but...
Free HUD-approved foreclosure prevention counseling for Delaware homeowners struggling with mortgage payments. Counselor...
City acquires vacant or blighted properties, rehabilitates them to code, and sells to income-qualified homebuyers at bel...
Forgivable loan for major home repairs to owner-occupied homes in unincorporated New Castle County (may include some Wil...
Subscribe to a share of a community solar project without installing panels on your roof. Receive credits on your electr...
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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38 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, 25 programs do not require repayment, 1 is forgivable loan, and 8 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.