Find grants, rebates, forgivable loans, and free programs for Worcester, MA, filtered to your situation.
As of June 2026, 30 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Worcester, MA, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 13 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 | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | 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 forgivable loans to income-qualified owner-occupants in Worcester for major home repairs and rehabilitation wor...
City-administered CDBG program providing free lead hazard removal for Worcester homes built before 1978 with children un...
Federally funded weatherization program administered by the Massachusetts Department of Energy Resources providing free ...
Statewide energy efficiency program offering free home energy assessments, instant savings measures, and rebates on insu...
Enhanced rebates for air-source and ground-source heat pump installations in Worcester, including whole-home heating con...
Emergency home repair grants for Worcester homeowners age 60 and older with income at or below 80% AMI. Covers repairs e...
Forgivable loans for accessibility modifications to Worcester homes to accommodate residents with disabilities. Covers r...
Low-interest loans for septic system repair and replacement for owner-occupied homes in Massachusetts. Available through...
Reduced-rate financing for residential solar photovoltaic and battery storage systems through participating contractors....
Solar Massachusetts Renewable Target (SMART) program provides performance-based incentives for solar installations. Worc...
State-funded grant program for lead paint removal in homes built before 1978 with children under age 6. Income-qualified...
USDA program providing loans and grants for home repairs to very low-income homeowners in eligible rural areas near Worc...
VA grant for Worcester veterans with certain service-connected disabilities to adapt or purchase a home with special fea...
VA grant for veterans with certain service-connected disabilities to make accessibility modifications to a family member...
Federally funded HOME program providing forgivable loans for substantial rehabilitation of owner-occupied homes in Worce...
City program assisting income-qualified homeowners with repair or replacement of private water and sewer lateral lines f...
State income tax credit equal to 20% of qualified rehabilitation expenditures for historic properties listed on the Nati...
Worcester seniors age 60+ can earn up to $1,500 annually in property tax credits by volunteering with city departments. ...
Emergency assistance for Worcester residents facing heating system failure during winter months. Provides grants for fur...
Enhanced energy efficiency program for Worcester income-qualified households providing 100% free insulation, air sealing...
Below-market-rate mortgages for first-time homebuyers in Worcester with income limits. Features low down payment options...
Down payment and closing cost assistance for first-time homebuyers in Worcester through the ONE Mortgage Program. Assist...
EPA-funded program addressing indoor air quality hazards in Worcester homes with children or residents with asthma. Prov...
Federal fuel assistance program helping Worcester income-qualified households pay heating bills during winter months. Be...
Free assistance for Worcester residents enrolling in health insurance through the Massachusetts Health Connector. Certif...
City program providing free street trees to Worcester homeowners to enhance urban canopy and property values. City plant...
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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30 programs are currently listed for Worcester, 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 Worcester, 22 programs do not require repayment, 3 are forgivable loans, and 2 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.