Find grants, rebates, forgivable loans, and free programs for Berea, KY, filtered to your situation.
As of June 2026, 20 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Berea, KY, with individual awards up to $766,550. 6 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 | 4 | 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...
Federal weatherization program delivered through Kentucky Housing Corporation providing free energy efficiency improveme...
Provides forgivable loans for critical home repairs to help Kentucky homeowners maintain safe, decent housing. Loan is f...
State-funded lead hazard control program for homes built before 1978 where children under 6 reside. Provides free testin...
Federal program providing loans up to $40,000 and grants up to $10,000 for very low-income rural homeowners to repair, i...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their accessibili...
Grant for veterans with certain service-connected disabilities to modify a home to accommodate their disability. For vet...
Electric utility rebates for qualifying energy-efficient equipment including heat pumps, water heaters, insulation, and ...
Rebate for qualifying electric heat pump installations meeting minimum efficiency standards. Must be installed by licens...
Rebate for purchase and installation of qualifying smart thermostats with Wi-Fi connectivity. Helps reduce energy costs ...
Local delivery of federal weatherization assistance through Madison County Community Action Council. Provides free energ...
FHA-insured mortgage that allows homebuyers or homeowners to finance both the purchase (or refinance) and rehabilitation...
Rebate for qualifying electric water heaters and heat pump water heaters that meet minimum efficiency standards. Heat pu...
Property tax exemption for Kentucky homeowners age 65 or older, or who are totally disabled, on their primary residence....
Federal program providing assistance with heating and cooling costs for low-income households. Also offers crisis assist...
Grant assistance for down payment and closing costs for eligible first-time homebuyers in Kentucky. Combined with KHC's ...
Conventional mortgage that allows homebuyers or homeowners to finance both the purchase (or refinance) and renovation of...
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 Berea, 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 Berea, 12 programs do not require repayment, 1 is forgivable loan, and 4 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.