Home Improvement Grants in Gardner.
Browse cataloged grants, rebates, loans, and other assistance records for Gardner, MA. Verify each program's current rules, service area, and status.
The Gardner, MA directory shows 25 cataloged resources. Of those, 22 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 22 records is $126,526, not an estimate of your award. Discovery tags include 8 senior-related records, 2 veteran-related records, and 10 marked with no income limit. These tags do not determine eligibility; verify the complete official rules.
Record set last reviewed 2026-06-09. How we verify our data.
Types of help in this city
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| Funding type | Records | What to verify | Label scope |
|---|---|---|---|
| Grants | 17 | Repayment, tax, and possible lien terms | Directory classification; confirm official terms |
| Forgivable loans | 2 | Forgiveness schedule, residency, and lien terms | Directory classification; confirm official terms |
| Rebates | 2 | Eligible purchases, upfront payment, and claim timing | Directory classification; confirm official terms |
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FEMA Hazard Mitigation Grant Program (HMGP)
HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
FEMA Increased Cost of Compliance (ICC) Coverage
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD Lead Hazard Control & Healthy Homes
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA / WIIN Act Lead Service Line Replacement
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
Gardner CDBG Owner-Occupied Rehabilitation Program
Provides forgivable loans for owner-occupied housing rehabilitation in Gardner. Covers major systems repairs, structural...
Massachusetts Weatherization Assistance Program (WAP)
Federally funded weatherization program providing free energy efficiency upgrades including insulation, air sealing, hea...
Massachusetts Lead Paint Abatement Program
State-funded lead paint removal for Gardner homes built before 1978 where a child under 6 has an elevated blood lead lev...
Mass Save Heat Pump Rebates
Rebates for air-source and ground-source heat pump installations in Gardner homes. Incentives include equipment rebates,...
Mass Save Insulation & Air Sealing
Mass Save covers 75% of insulation and air sealing costs for all Gardner customers, and 100% for income-eligible househo...
Mass Save Appliance & Equipment Rebates
Rebates for ENERGY STAR appliances and equipment including water heaters, thermostats, dehumidifiers, and smart power st...
Massachusetts SMART Solar Incentive
Solar Massachusetts Renewable Target (SMART) program pays Gardner solar customers per kilowatt-hour produced for 20 year...
Mass Solar Loan
Low-interest loans for residential solar and battery storage systems in Gardner. Offers below-market interest rates with...
USDA Section 504 Home Repair Program
USDA grants up to $10,000 and loans up to $40,000 for very low-income homeowners in eligible rural areas of Gardner to r...
MassHousing Septic Repair Program
Low-interest loans for septic system repair or replacement in Gardner. Loans up to $40,000 with competitive rates and te...
VA Specially Adapted Housing (SAH) Grant
Grant for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home in Gardner...
VA Special Housing Adaptation (SHA) Grant
Grant for veterans with certain service-connected disabilities to adapt a Gardner home. Covers entrance ramps, widened d...
Gardner Community Preservation Act - Historic Preservation
Community Preservation Act funding for restoration and preservation of historic buildings in Gardner. Grants typically r...
MassHousing Home Improvement Loan
Low-interest home improvement loans for Gardner homeowners. Funds can be used for repairs, renovations, additions, acces...
Massachusetts Senior Circuit Breaker Tax Credit
Refundable tax credit for Gardner homeowners age 65+ who paid property taxes exceeding 10% of income. Credit equals port...
Gardner Senior Tax Work-Off Program
Allows Gardner residents age 60+ to reduce property taxes by volunteering in city departments. Participants earn a tax c...
Gardner CDBG Accessibility Modification Program
CDBG-funded grants for accessibility modifications to Gardner homes occupied by persons with disabilities. Covers ramps,...
Gardner CDBG Sewer Line Repair Program
Forgivable loans for repair or replacement of private sewer laterals in Gardner for income-eligible homeowners. Loan for...
Mass Save Income Eligible Services
Completely free energy efficiency upgrades for income-eligible Gardner residents including insulation, air sealing, LED ...
Low Income Home Energy Assistance Program (LIHEAP)
Federal program providing heating assistance to low-income Gardner households. Benefits help pay heating bills during wi...
Gardner Dwelling Works Minor Home Repair
Minor home repair grants for low-income homeowners in Gardner, with priority for seniors and persons with disabilities. ...
Check program coordination before building a budget
A local grant, utility rebate, or tax credit may cover different parts of a project, but administrators set their own coordination rules. Confirm compatibility and payment timing with each official source.
Build a funding plan
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Contractor listings in Gardner
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