Home Improvement Grants - Grants Available
Community based, federal government, and the alternatives
A home improvement grant can be a helping hand that enables you to make important improvements to your home when you're on a tight budget. There are federal, state and community home improvement grants available. There isn't space on this page to list all the different grants available, so this is a summary of the main sources and how to access them rather than a comprehensive list.
Community-based home improvement grant programs
The Community Development Block Grant program (CDBG) provides annual grants to various smaller programs. One such grant is the Entitlement Communities grant, designed to improve housing and public services in urban areas. However, the CDBG doesn't provide money directly to citizens. Your local government administers the program and makes the decisions about which projects receive funding. The overall aim of the grants is to assist people on low and moderate incomes.
The HOME program gives funds to owners for the rehabilitation of owner-occupied houses. The work done under the HOME program must be performed according to the written standard of the participating jurisdiction. Participating jurisdictions, also known as PJs, are defined as any state or unit of local government that complies with the procedures laid down by the US Department of Housing and Urban Development. Financial assistance from HOME includes non-interest-bearing loans and deferred-payment loans as well as grants and regular loans. The program is administered through the PJs.
Federal government home improvement grants: USDA
The United States Department of Agriculture (USDA) offers money for improvements to rural homes. Grants are usually only available to people who cannot afford to take out a loan. The lifetime grant assistance must not exceed $7500. There are restrictions on what you can do with the grant money. For example, you can't use it to make changes for cosmetic reasons. See www.usda.gov to access more information about rural development grants.
Alternatives to home improvement grants
If you don't qualify for a government or federal home improvement grant, you might be able to get a loan at favorable terms to finance your home improvements. See our page on home improvement loans for more information.