Find grants, rebates, forgivable loans, and free programs for Albany, NY, filtered to your situation.
As of June 2026, 30 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Albany, NY, with individual awards up to $126,526. 5 programs target seniors, 3 serve veterans, and 14 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 21 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Provides forgivable loans for comprehensive home repairs to owner-occupied properties in Albany. Loan is forgiven after ...
Provides emergency repair grants for owner-occupied homes facing immediate health and safety threats. Income must be at ...
HUD-funded program to identify and remediate lead-based paint hazards in Albany County homes built before 1978. Priority...
Federally-funded program that reduces energy costs by improving home energy efficiency. Services include insulation, air...
Rebate for installation of qualifying air-source or ground-source heat pumps in National Grid service territory. Rebate ...
Rebate for replacing old heating equipment with high-efficiency natural gas furnaces or boilers. Equipment must meet min...
Rebate covering up to 50% of insulation and air sealing costs for National Grid customers. Must complete home energy ass...
Electric and gas efficiency rebates for NYSEG customers in Albany County. Covers insulation, air sealing, high-efficienc...
Subsidized home energy assessments ($50-$150) followed by incentives for recommended efficiency improvements. Incentive ...
Statewide incentive for residential solar photovoltaic systems. Incentive amount is based on system size ($/watt) and de...
Enhanced solar incentives for low- to moderate-income households in New York State. Provides higher incentive rates and ...
Provides grants for home repairs and modifications to help Albany County seniors age 62+ remain safely in their homes. I...
Grants for accessibility modifications to help seniors and people with disabilities remain safely at home. Covers ramps,...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas near Albany to repair or improve ho...
Grant for veterans with certain service-connected disabilities to purchase, build, or modify a home to meet their adapti...
Grant for veterans with certain service-connected disabilities to modify their home for accessibility. Covers veterans w...
Grants to help income-qualified homeowners repair or replace failing sewer lateral lines from the home to the main sewer...
Federal HOME Investment Partnerships Program funds distributed by New York State for owner-occupied rehabilitation. Prov...
Matching grants for exterior restoration of historic properties in designated historic districts. Covers historically ap...
Emergency heating equipment repair and replacement for households facing heating emergencies. Available through the Home...
No-cost energy efficiency services for income-qualified National Grid customers. Includes home energy assessment, air se...
Reduces property assessment by 5% to 50% for qualifying senior homeowners age 65+. Reduction amount is based on income l...
Property tax exemption for veterans with service-connected disabilities. Exemption amount varies based on disability rat...
Low-interest home improvement loans for income-qualified New York homeowners. Can be used for repairs, improvements, or ...
Statewide incentives for electrification and heat pump installation. Offers rebates for heat pump heating and cooling sy...
Federal tax credit covering 30% of the cost of installing a residential solar energy system, including equipment, labor,...
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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30 programs are currently listed for Albany, 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 Albany, 21 programs do not require repayment, 2 are forgivable loans, 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.