Find grants, rebates, forgivable loans, and free programs for Winston-Salem, NC, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Winston-Salem, NC, with individual awards up to $126,526. 10 programs target seniors, 3 serve veterans, and 14 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 22 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | 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 administered locally to reduce energy costs for low-income households. Services ...
State-funded forgivable loan program for substantial home rehabilitation for low-income homeowners. Loans are forgiven a...
CDBG-funded program providing forgivable loans for comprehensive home repairs to low-income homeowners in Winston-Salem....
Provides grants for emergency repairs that pose immediate threats to health and safety for very low-income homeowners. P...
Grant program for accessibility modifications to enable disabled or elderly homeowners to remain safely in their homes. ...
State-funded lead hazard control program for homes with children under age 6 who have elevated blood lead levels or are ...
Federal program offering low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners in eli...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their adaptive ne...
Grant for veterans with certain service-connected disabilities to adapt a home to meet their needs. For veterans with bl...
Free in-home energy assessment provided by Duke Energy to identify opportunities to save energy and money. Includes inst...
Rebate for Duke Energy residential customers who install qualifying high-efficiency heat pump systems. Rebate amount var...
Heavily subsidized HVAC tune-up service for Duke Energy customers. Licensed contractor will inspect, clean, and tune you...
Rebate for Duke Energy residential customers who install qualifying high-efficiency electric or heat pump water heaters....
State tax credit equal to 35% of the cost of purchasing and installing solar electric or solar thermal systems, up to $1...
Rebate for Duke Energy customers who install grid-tied solar photovoltaic systems. Rebate is $0.60 per watt of installed...
Federal HOME funds for substantial rehabilitation of owner-occupied homes for low-income households. Forgivable loan for...
Grant program specifically for homeowners age 62 and older to make critical home repairs that allow them to age in place...
Matching grant program for exterior rehabilitation of contributing structures in designated local historic districts. Co...
Forgivable loan program to assist homeowners with repairs to private sewer laterals from the home to the city main. Loan...
State-administered disaster recovery program using federal Community Development Block Grant - Disaster Recovery (CDBG-D...
Property tax exclusion for North Carolina veterans who are 100% permanently and totally disabled as a result of service-...
Property tax exclusion for North Carolina homeowners who are age 65 or older or totally and permanently disabled with in...
Property tax relief for qualifying homeowners age 65+ or disabled when property taxes exceed a percentage of income. Eli...
Emergency utility bill assistance for Duke Energy customers facing financial hardship. Administered by the Salvation Arm...
State-funded emergency assistance for low-income households facing heating or cooling crisis. Provides up to $600 per cr...
Component of the state Weatherization Assistance Program that provides furnace or heating system replacement when existi...
Forgivable loan for down payment and closing cost assistance for first-time homebuyers purchasing within Winston-Salem c...
HUD-approved homebuyer education course required for city down payment assistance programs. Covers budgeting, credit, mo...
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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32 programs are currently listed for Winston-Salem, 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 Winston-Salem, 22 programs do not require repayment, 5 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.