Find grants, rebates, forgivable loans, and free programs for Ashland, KY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Ashland, KY, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | 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...
Federally funded weatherization program administered by Kentucky Housing Corporation providing free energy efficiency up...
CDBG-funded home rehabilitation program for owner-occupied homes in Ashland city limits. Provides forgivable loans for m...
Provides emergency repair grants for owner-occupied households in Ashland facing immediate health and safety threats. Pr...
Provides grants and forgivable loans to modify homes for accessibility for residents with disabilities in Ashland. Cover...
Rebate for residential customers who install high-efficiency central air conditioners or heat pumps. SEER rating of 16+ ...
Rebate for AEP Kentucky residential customers who purchase and install an ENERGY STAR certified heat pump water heater. ...
Rebate for AEP Kentucky homeowners who add insulation to attics, walls, or crawl spaces. Minimum R-value requirements ap...
HUD-funded lead hazard reduction program for homes built before 1978 with children under age 6 or pregnant women. Provid...
Low-interest loans up to $40,000 for low-income homeowners in eligible rural areas of Boyd County to repair or improve t...
Grants up to $10,000 for very low-income homeowners age 62 or older in eligible rural areas to remove health and safety ...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to meet their needs. Availabl...
Grant for veterans with certain service-connected disabilities to make adaptations to their home. Available for veterans...
State-funded program providing grants to local governments and nonprofits to support housing rehabilitation and reconstr...
Grants to repair or replace failing on-site septic systems for income-qualified homeowners in areas not served by munici...
Provides minor home repairs and modifications to help low-income seniors age 60 and older remain safely in their homes. ...
Rebate for AEP Kentucky residential customers who purchase and install a qualifying smart thermostat. Must be ENERGY STA...
Assists low-income homeowners with repair or replacement of water and sewer service laterals from the main to the home. ...
Federal assistance for homeowners and renters whose homes are damaged by a federally declared disaster. Covers repairs t...
Rebate for AEP Kentucky homeowners who install ENERGY STAR certified windows. Must meet specific U-factor and Solar Heat...
Federal tax credit for energy-efficient home improvements including windows, doors, insulation, heat pumps, and central ...
Federal tax credit for installing solar electric (photovoltaic) systems, solar water heaters, and battery storage on res...
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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25 programs are currently listed for Ashland, 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 Ashland, 16 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.