Do I Qualify For A Home Improvement Grant? (Find OUT)

Home improvement grants are a great way to help you finance your home improvement projects and add value to your home. 

Home improvement grants can be substantial, but you’ll need to meet certain requirements for eligibility. 

If you’re thinking about applying for a home improvement grant, there are a few things you should know first.

Are YOU Eligible for a Government Grant?!
Home improvement projects can add value and comfort to your property.
Planning is key to a successful home improvement project.
Homeowners should be aware of possible financing options, including grants and loans.
It is important to hire reputable contractors and have a solid contract in place.
Understanding the process and timeline of a home improvement project is essential.


When you apply for a home improvement grant, the income of the applicant must be below a certain threshold.

Income is calculated by taking your gross monthly income and subtracting the total amount of all deductions (such as retirement contributions, medical expenses, home equity interest and more).

If your total annual income is above $27,500 but less than $45,000 ($62,000 if married filing jointly), then you may qualify for one of these grants.

Most types of income are eligible to be considered when applying for a home improvement grant; however some exceptions do exist such as unemployment compensation or child support payments from non-exempt persons (such as a parent).

For anyone planning a home renovation, it is important to understand the process and the various steps involved. Our comprehensive guide on how home renovations work breaks down everything you need to know to get your project off the ground and successfully completed.


The next item to consider is your personal credit history. This can include your credit score, which varies from 350 to 850. A high score indicates that you are responsible with money and have a history of paying off debts on time. 

If you have had any bankruptcies or foreclosures in the past seven years, this might affect your eligibility for grants. 

However, most home improvement grants do not require good credit; only one requires a very strong history of financial responsibility (the National Home Energy Assistance Program).

Credit History Table

Credit Score RangeCredit Rating
740-799Very Good

The table above outlines the various credit score ranges and their associated credit rating. Understanding your credit score and rating is crucial when applying for loans, credit cards, and other financial products. A high credit score indicates a history of responsible borrowing and can lead to more favorable loan terms and interest rates.


If you live in a rural area, the grant will be smaller than if you live in an urban area. This is because there are fewer homeowners who need help with their property in rural areas.

If you live in a high-cost area of the country, the grant amount may range from $5,000-$20,000 or more depending on how much money has been set aside for that particular state or region by Congress.

Before hiring a contractor for your home improvement project, it is critical to have a solid contract in place. Our article on getting a home improvement contract explains what needs to be included in the contract to protect your interests and ensure a smooth project.

Property value

While the exact value of a home can be difficult to determine, it’s often used as a factor in determining eligibility for certain types of grants. In fact, this is true for most grant programs that offer assistance with home improvements.

Property value is usually determined by the price at which the property was purchased or the appraised value on the date you submit your application. However, there are some exceptions to this rule:

If you use an alternative financing program (like a reverse mortgage), then property value may be based on your equity in the home rather than its purchase price or appraised value.

If you’re applying for help with services related to accessibility modifications (such as wheelchair ramps or stair lifts), then property value might not matter at all you’ll simply need proof that your house meets specific requirements for these types of modifications and have paid any fees associated with them already.

Loan type

If you’re looking to secure a loan for your home improvement project, look into the following options:

Home loan. In order to qualify for a home improvement loan, you must have a first mortgage in place on your property and be current on all payments. The maximum amount of money that can be borrowed with this type of loan is 80% of the appraised value of your property.

Home equity loans and home equity lines of credit (HELOCs). HELOCs are like second mortgages because they’re secured by a lien against your house; however, unlike first mortgages, they can have adjustable interest rates or fixed rates at any time during the lifetime of the loan. 

If approved by lenders, HELOCs typically offer lower interest rates than first mortgages because they have no pre-payment penalties or fees associated with them—just regular monthly payments until they’re paid off in full!

Home improvement projects can quickly become expensive, but there are ways to save money without sacrificing quality. Learn more about buying cheap home improvement supplies in our article that provides tips and resources for finding budget-friendly options.

Home, condo, or co-op

The home must be your primary residence.

You can be the homeowner or renter of a single-family home, duplex, triplex (or more), condo or co-op.

You do not need to own the property; you can rent it from a friend or relative. If you are renting the property with an option to buy it later, you may still qualify for grant money because they don’t consider that a sale you’re still living there and therefore qualify as “homeowner” status.

Primary Residence Table

Property TypeRequirements
HomeProperty must be owned and occupied as primary residence.
CondoUnit must be owned and occupied as primary residence.
Co-opShares must be owned and the unit occupied as primary residence.

The table above outlines the requirements for different types of primary residences. When applying for certain loans or programs, it is important to verify that the property being used as collateral is the borrower’s primary residence. This can affect eligibility and interest rates.

Foreclosure status

Don’t let your foreclosure status prevent you from applying for a home improvement grant. If you are in foreclosure, there may still be hope to pay off that outstanding balance with the help of a grant.

If you are in foreclosure, it’s important to remember not to drop out of the running for any grants just because they require good credit or proof of income you can still work your way up and apply.

Make sure that you do all that you can do before canceling your plans entirely: try applying for a few more home improvement grants just in case something comes through for you!

Landscaping is an important part of home improvement, and achieving a beautiful outdoor space requires knowledge and expertise. Our article on finding help for landscaping provides valuable information on who to hire and what to look for when seeking professional help.

Military status

The government offers a number of grants for military service members and their families. The benefit is that the grants can be used to purchase a home, pay for repairs, or even to help with education expenses.

The US Department of Housing and Urban Development (HUD) has a long list of programs available online that are specifically designed for active duty military personnel and veterans. These include:

Home Buying Assistance Grants – These grants provide assistance with down payment, closing costs or other financial barriers associated with purchasing a home. They’re also available in partnership with local agencies like Veterans Affairs offices.

Property Repair Grants – If your house needs some work done but doesn’t qualify for other types of aid, this program may provide you with funding up to $25K per year over five years toward repairs such as roofing damage from windstorms or hail storms; water damage from burst pipes; foundation settling; electrical repairs; etc.).

Disability status

You may be eligible for a home improvement grant if you or someone in your household is disabled. If you’re not disabled, but live with a person who is and they need the disability-related expense to stay in their home, you may also be eligible.

You must have an income that meets certain requirements, so make sure to check eligibility before applying.

Home renovation shows have become increasingly popular and can provide inspiration and ideas for your own home improvement project. Our article on getting a home renovation show explains how to apply for and participate in these shows to showcase your project and potentially receive professional help.

Tax penalties and liens

If you owe back taxes, the IRS can place a lien on your property. This means that if you sell or refinance your home, the IRS will get paid first. The lien will remain until you pay off the full amount of taxes that are due to them. 

You can also have liens placed on your property if you don’t pay child support or other delinquent debts such as student loans and credit cards.

If any of these apply to you and your situation is complicated by other factors, it may be best to speak with an attorney who specializes in tax law before proceeding with a home improvement project.

Job-related eligibility requirements

In order to qualify for a home improvement grant, you must first have a job. This is not just any job; it’s one that meets certain requirements.

You must be employed for at least three months before applying for the grant.

Your income must be steady and consistent and should not vary more than 20% from month to month. 

If your income is irregular or seasonal (i.e., only comes once per year), then this may disqualify you from receiving a home improvement grant because you don’t meet the requirement of being employed full time instead of part time.

To qualify as “employed full time,” your employer must consider you an essential employee who works no fewer than 30 hours per week in order to receive health insurance benefits or any other perks offered by employers such as paid vacation days or paid sick days off work due to illness etc.. 

If your employer does not offer these kinds of benefits then it does not matter how much money they pay each month because there will always be someone else willing

Employment status

In order to qualify for a home improvement grant, you must be employed. You must also have been employed for at least 6 months. 

Your employer should be willing to verify this employment and your salary with both the IRS and SSA. If you’re self-employed, you will need documentation of your net profit from the previous year.

If your income is less than $1,900 per month (for single filers) or $2,500 per month (for married couples filing jointly), it’s possible that you could still receive a grant if the improvements are considered necessary based on one or more of these factors:


If you’re looking for a way to make your home more affordable and energy efficient, there are grants available. 

But before you dive in, it’s important to understand the eligibility requirements so that you don’t waste your time or money on an application that won’t be approved. 

We’ve listed some of the most common questions about whether or not someone qualifies for assistance from one of these programs but if you have any other questions about this topic or anything else related to home improvement loans, feel free to comment below!

Further Reading

Home Improvement Grants for Homeowners – Learn about the various grants available for homeowners who need assistance with their home improvement projects.

Use These Home Improvement Grants to Cover Your Next Project – This article provides an overview of different grant programs that can help cover home improvement costs.

Help with Home Improvements – The Citizens Advice website offers advice and guidance on how to find financial assistance for home improvement projects.


What is a home improvement project?

A home improvement project involves making changes or upgrades to a property, either for functional or aesthetic reasons.

How can I finance my home improvement project?

There are various financing options available, including home equity loans, personal loans, and government grants.

How do I find a reputable contractor?

Research potential contractors, check their references, and verify their licensing and insurance before hiring them for your home improvement project.

Can I do a home improvement project myself?

Some projects can be done by homeowners themselves, but others may require professional help. It is important to assess your own skills and comfort level before starting a DIY project.

What should I include in a home improvement contract?

A home improvement contract should include the scope of work, timeline, payment schedule, and any warranties or guarantees. It is important to have a detailed contract to protect both the homeowner and the contractor.