Find grants, rebates, forgivable loans, and free programs for Birmingham, AL, filtered to your situation.
As of June 2026, 38 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Birmingham, AL, with individual awards up to $806,500. 14 programs target seniors, 4 serve veterans, and 14 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 25 | 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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The City of Birmingham's Critical Repair Program provides up to $30,000 in health-and-safety home repairs to approximate...
Jefferson County administers HUD-funded housing rehabilitation assistance to income-eligible homeowners in unincorporate...
Greater Birmingham Habitat for Humanity provides critical home repairs and roof replacements through partnerships with t...
Rebuilding Together Central Alabama provides free home repair and renovation services to low-income, elderly, and disabl...
The Alabama Weatherization Assistance Program provides free energy efficiency improvements to income-eligible homes acro...
Alabama Power offers rebates to residential customers on qualifying energy-efficient upgrades, including a $1,000 rebate...
Spire Alabama (formerly Alagasco) offers rebates to residential natural gas customers on qualifying high-efficiency appl...
Alabama's LIHEAP program provides cash assistance to low-income households to offset heating and cooling energy costs, a...
Alabama offers multiple homestead property tax exemptions for owner-occupants. Exemption III fully exempts homeowners ag...
Alabama exempts qualifying disabled veterans and their unremarried surviving spouses from all property taxes on their ho...
The VA's SAH grant (up to $126,526 in FY2026) helps veterans with severe service-connected disabilities purchase or buil...
VA-backed home loans allow eligible veterans, service members, and surviving spouses to purchase or refinance a home wit...
The FHA 203(k) loan allows homebuyers and existing owners to finance both the purchase (or refinance) and renovation of ...
USDA Rural Development's Section 504 program provides loans up to $40,000 at 1% interest to very-low-income homeowners i...
AHFA's Step Up program provides below-market 30-year fixed mortgage rates and down payment assistance to moderate-income...
The Inflation Reduction Act's 25C tax credit covers 30% of costs for qualifying energy-efficient home improvements, up t...
Alabama is developing its federally funded HOMES (Home Owner Managing Energy Savings) rebate program under the Inflation...
The IRS Volunteer Income Tax Assistance (VITA) program provides free federal and state tax preparation to income-eligibl...
HUD-approved housing counselors in the Birmingham area provide free or low-cost advice on buying a home, financing repai...
The Central Alabama Regional Planning and Development Commission administers a Critical Home Repair Program serving lowe...
Home Recovery Alabama provides housing rehabilitation and repair assistance to homeowners whose properties were damaged ...
The City of Birmingham's Community and Business Development division (COBCD) administers multiple housing and neighborho...
Jefferson County provides funding for accessibility modifications to homes of income-eligible residents with disabilitie...
All owner-occupants of a single-family primary residence in Alabama qualify for Homestead Exemption I, which reduces ass...
The HOME Investment Partnerships Program provides federal funding to Birmingham for housing rehabilitation, homebuyer as...
Alabama Power's Energy Assistant program provides billing assistance to low-income residential customers who need help p...
The IRA's Residential Clean Energy Credit provides a 30% federal tax credit with no cap for qualifying solar panels, geo...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
The SBA Alabama District Office in Birmingham supports small businesses through the Microloan Program, 7(a) loans, and 5...
The Birmingham Business Resource Center (BBRC) is an SBA-approved Small Business Development Center providing business c...
Alabama's Child Care Assistance Program provides subsidies to income-eligible working families to help pay for licensed ...
Jefferson County Committee for Economic Opportunity (JCCEO) operates Head Start and Early Head Start programs serving Bi...
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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38 programs are currently listed for Birmingham, including City of Birmingham Critical Repair Program, Jefferson County CDBG Housing Rehabilitation Program, Greater Birmingham Habitat for Humanity, Home Repair & Roof Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Birmingham, 25 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.