Find grants, rebates, forgivable loans, and free programs for Madison, IN, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Madison, IN, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 14 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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...
Free weatherization services for income-eligible Indiana households administered through local community action agencies...
State-administered lead hazard control program for Indiana homes built before 1978 with children under age 6. Services i...
CDBG-funded major home repair program for low-income homeowners in Madison. Forgivable loan structure requires 5 years o...
Emergency grant for Madison homeowners facing immediate health and safety threats. Covers urgent repairs that cannot wai...
Grants and forgivable loans for ADA-compliant home modifications to assist disabled and elderly Madison residents. Inclu...
Assists low- and moderate-income Madison homeowners with the cost of repairing or replacing private sewer laterals. Thre...
Rebates for Duke Energy Indiana customers who install qualifying energy-efficient equipment. Includes rebates for heat p...
Enhanced rebate for Duke Energy Indiana customers upgrading to high-efficiency electric heat pumps. Combines utility reb...
Free in-home energy assessment and weatherization upgrades for qualifying Duke Energy Indiana customers. Services includ...
Federal program providing low-interest loans and grants to very-low-income rural homeowners for repairs, improvements, o...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their accessibility needs. ...
Helps veterans with certain service-connected disabilities adapt a family member's home or their own home to meet access...
Federal HOME funds administered by Indiana for owner-occupied rehabilitation in eligible communities. Provides grants or...
Matching grant for exterior rehabilitation of contributing structures in Madison's historic districts. Funds must be use...
Rebate for Duke Energy Indiana customers upgrading to ENERGY STAR qualified heat pump water heaters. Provides significan...
Matching grant for restoration (not replacement) of historic wood windows in Madison's historic districts. Encourages pr...
FEMA-funded program to reduce flood risk for properties with repetitive flood losses. Given Madison's Ohio River locatio...
Grant assistance for income-qualified Indiana homeowners to install radon mitigation systems. Indiana has elevated radon...
Instant rebate for Duke Energy Indiana customers purchasing ENERGY STAR certified smart thermostats at participating ret...
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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23 programs are currently listed for Madison, 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 Madison, 14 programs do not require repayment, 4 are forgivable loans, and 4 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.