Find grants, rebates, forgivable loans, and free programs for Winona, MN, filtered to your situation.
As of June 2026, 20 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Winona, MN, with individual awards up to $126,526. 5 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 | 12 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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 by the State of Minnesota providing free energy efficiency improvem...
Low-interest loan program for home improvements administered through participating Minnesota lenders. Available to homeo...
Xcel Energy subsidized in-home energy assessment and installation service. Trained technicians install LED bulbs, water-...
Rebate for qualifying air source heat pump installations in Xcel Energy service territory. Rebate amounts vary based on ...
Rebates for attic, wall, and basement insulation improvements plus air sealing work performed by qualified contractors. ...
Incentive program for residential solar photovoltaic system installations in Xcel Energy territory. Provides upfront inc...
Free pickup and $75 rebate for recycling old working refrigerators and freezers. Helps eliminate energy waste from ineff...
Federal program providing loans up to $27,500 and grants up to $10,000 for very low-income homeowners in eligible rural ...
Grant for veterans with certain service-connected disabilities to help purchase or modify a home to meet their accessibi...
Grant for veterans with certain service-connected disabilities to adapt a home to accommodate their disability. Covers m...
State-funded deferred/forgivable loan program for major home repairs to correct health and safety hazards and code viola...
Grant program for Winona County residents age 60+ to make essential home repairs and modifications that allow seniors to...
State program funded by HUD to identify and reduce lead-based paint hazards in homes built before 1978 where children un...
Federally funded program providing help paying heating bills for eligible low-income Minnesota households. Regular benef...
Rebate for installing high-efficiency central air conditioning systems in Xcel Energy electric service territory. Rebate...
Rebate for purchasing and installing qualifying smart thermostats that help manage energy usage. Eligible thermostats mu...
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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20 programs are currently listed for Winona, 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 Winona, 12 programs do not require repayment, 1 is forgivable loan, and 5 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.