Home improvement savings finder

Use our curated list of incentives, tax credits, grants, and more to access programs that can help lower your utility bills and keep your home healthy, safe, and comfortable. Programs you find here can support things like:

Upgrades that can help you save on water and power bills, such as replacing or repairing your HVACs, water heater, or other appliances.
Repairs that make it easier to control the conditions inside your home and keep allergens out, such as adding insulation, replacing windows, or sealing cracks.
Health and safety improvements, such as removing lead-based paint hazards in your home or reducing stormwater runoff on your property.
Utility bill assistance to help you keep the lights on and water flowing during hard times.

Programs are sorted alphabetically. See the FAQs for more information on using this finder.

The information you provide will be used only to identify and share with you programs for which you may qualify. Fannie Mae will not retain the information you provide in any manner that will permit us or anyone else to associate it with you or your mailing address.

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This list and the program descriptions were compiled using program information available online as of December 2024 and are based on the income, household size, and location information you entered.

Program parameters and funding levels may change. Please contact program administrators for details about available funds, what a program covers, and eligibility requirements. There may also be programs available to you that are not included in these results.

Inclusion of a particular program on this list should not be interpreted as an endorsement or referral by Fannie Mae, nor as an indication that you qualify for participation.

We did not find programs in your area matching your search criteria. Please check back in the future, as we are regularly refreshing this data to include more programs.

Answer 4 simple questions to see programs in your area

Providing your household income and size will tailor your results.

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Include all pre-tax annual income for anyone in your home over 18 years old.

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Include yourself, spouse, children, other adults and senior dependents.

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Frequently asked questions

The finder filters programs you may be eligible for based on the location, household income, and household size you provide. Programs use varying eligibility guidelines. Some programs use income requirements, and some may consider additional factors for eligibility, such as disability status, severity of need, presence of children in the household, and so on. For programs you are interested in, visit the program website or call the phone number provided for more information.

Call or email the program administrator for support submitting your application or with any questions you may have about program details. If you haven’t heard back, or still need help, consider contacting a HUD-approved housing counselor, who may be able to help you apply for the program and create a budget to manage bills and other expenses. In addition to searching online, you can call HUD at (800) 569-4287 for help finding a housing counselor near you.

The finder provides estimated information to inform you of options and incentives that may be offered by various entities, such as the Department of Energy, local utility providers, and state energy offices. Please note that individual program application processes and decision timelines vary, and you should contact the program administrator for application review and decision time estimates.

Cost savings can vary due to multiple factors. Check out the below articles for more information:

Six ways to start saving on energy costs | Fannie Mae
4 Types of Energy-Efficient Improvements You Can Finance | Fannie Mae
Upgrades for a Healthier Home | Fannie Mae
Prepare Your Home for Every Season | Fannie Mae

Home upgrades may reduce your utility bills by reducing the energy or water you need for your home. For example, by reducing the leakage of heat and cooling from the house with new windows and doors, a household may not need to use as much energy to heat or cool their home to a comfortable temperature.

More to explore

6 Ways to Start Saving on Energy Costs

Keep your utility bills under control by fixing drafty doors and windows, insulating pipes, fixing leaky faucets, and installing ENERGY STAR® appliances.

Learn more