Find grants, rebates, forgivable loans, and free programs for Binghamton, NY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Binghamton, NY, 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 | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Free weatherization services to reduce energy costs for income-eligible households in Broome County. Includes insulation...
Provides major home rehabilitation assistance to low- and moderate-income homeowners in Binghamton. The forgivable loan ...
Free lead hazard removal for qualifying homes built before 1978 in Binghamton. Priority given to homes with children und...
Provides accessibility modifications for income-eligible homeowners with disabilities in Binghamton. Covers ramps, grab ...
Emergency repair grants for owner-occupied homes in Binghamton with urgent health or safety threats. Covers immediate ha...
Rebates for NYSEG electric customers who install qualifying air-source or ductless mini-split heat pumps. Rebates vary b...
Rebates for NYSEG customers who add qualifying insulation to attics, walls, or basements. Must meet minimum R-value requ...
Incentive for homeowners in Binghamton who install solar photovoltaic systems. Incentive amount varies by system size an...
Comprehensive energy efficiency upgrades at no cost for income-eligible households in Binghamton. Includes insulation, a...
Rebates for NYSEG customers who install qualifying high-efficiency electric water heaters or heat pump water heaters. Hi...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas near Binghamton to repair or improv...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their disability...
Grants for veterans with certain service-connected disabilities to adapt a family member's home where they will reside. ...
HOME funds provide rehabilitation assistance to low- and moderate-income homeowners throughout Broome County. Forgivable...
Assists seniors age 60+ with minor home repairs and accessibility modifications in Broome County. Priority given to low-...
Rebate to help homeowners replace aging or leaking water service laterals from the curb stop to the home. Program helps ...
Low-interest loan program to help Binghamton homeowners repair or replace failing sewer laterals. Prevents basement back...
State tax credit equal to 20% of qualified rehabilitation expenses for owner-occupied historic homes in New York. Home m...
New York State tax credit for 25% of solar equipment costs, up to $5,000, for residential solar installations in Bingham...
Helps low-income New Yorkers pay heating bills and covers emergency heating equipment repairs. Regular benefit assists w...
Enhanced School Tax Relief (STAR) exemption for senior homeowners age 65+ in Binghamton with income under $92,000. Provi...
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 Binghamton, 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 Binghamton, 17 programs do not require repayment, 2 are forgivable loans, 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.