Find grants, rebates, forgivable loans, and free programs for Buffalo, NY, filtered to your situation.
As of June 2026, 53 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Buffalo, NY, with individual awards up to $126,526. 12 programs target seniors, 7 serve veterans, and 23 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 35 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | Refunded to you after purchase | Energy-efficiency upgrades |
Not sure which program fits? Email us what you need. It is free, and a real person answers.
Heart of the City Neighborhoods administers City of Buffalo CDBG funds for home repair. Covers roofing, siding, porches,...
BURA designates specific streets in Fruit Belt and West Side neighborhoods. Homeowners receive full or partial condition...
Conditional grants for owner-occupied homes in ZIP codes 14201 and 14213 (Buffalo’s Lower and Upper West Side). Covers r...
Emergency assistance for urgent health and safety threats: furnace failure, roof collapse, burst pipes, electrical hazar...
NYS RESTORE program administered locally by HOCN. For homeowners age 60+ with emergency repairs or code violations that ...
NYS Access to Home grants for wheelchair ramps, lifts, roll-in showers, doorway widening, grab bars, non-skid floors, st...
Buffalo is a HUD CDBG entitlement city receiving $18.4M in federal funds for housing repair and renovation. Programs adm...
Erie County’s HUD-certified housing counseling agency. Administers CDBG home repair funds for suburban Erie County homeo...
Erie County administers its own CDBG housing rehabilitation program for owner-occupied homes in eligible suburban munici...
PUSH Buffalo’s Sustainability Workforce Training Center (300 Hampshire St) trains community members and performs weather...
Habitat for Humanity Buffalo provides no-cost critical repairs for income-qualified homeowners in Erie County. Roof, plu...
Free volunteer-driven home repairs for low-income homeowners in Erie County. Priority for veterans, seniors, and people ...
Free insulation, air sealing, heating system repair or replacement, window improvements, and health/safety issue remedia...
NYSERDA’s EmPower+ program provides 100% free energy upgrades for income-eligible New York households. Delivered through...
National Grid offers rebates for upstate NY customers on heat pumps, heat pump water heaters, central AC, smart thermost...
National Fuel is the primary gas utility in Buffalo. Offers rebates on high-efficiency furnaces, boilers, water heaters,...
Federal IRA-funded rebates administered by New York State. HOMES rebates: up to $8,000 for whole-home efficiency upgrade...
Statewide NYS RESTORE program for homeowners age 60+ facing emergency repairs or code violations that threaten health an...
Statewide NYS program providing financial assistance to make homes accessible for people with disabilities. Ramps, lifts...
NYS Targeted Home Improvement Program, a pilot grant for critical repairs in low-income areas with historic racial wealt...
Basic STAR reduces school district taxes for owner-occupied primary residences with income under $500,000. Based on firs...
Enhanced STAR for homeowners age 65+ with income at or below $107,300 (2025-2026 school year). Based on first $86,100 of...
Erie County and City of Buffalo may grant up to 50% reduction in assessed property value for qualifying seniors. Age 65+...
Three exemption options for qualifying veterans: Alternative Veterans Exemption (wartime service), Cold War Veterans Exe...
For veterans with a permanent total service-connected disability affecting mobility (limb loss, blindness, severe burns)...
For veterans with loss of use of both hands, severe burns, or respiratory injuries from service. Adapts a family member’...
Most accessible VA grant, any service-connected disability qualifies for $6,800; non-service-connected with 50%+ rating ...
30% federal tax credit on energy efficiency improvements. Up to $1,200/year for insulation, exterior doors ($250/door, $...
30% federal tax credit on solar panels, solar water heaters, battery storage systems, fuel cells, and geothermal heat pu...
FHA-insured home improvement loans. Up to $25,000 for single-family homes; up to $7,500 unsecured (signature only, no eq...
Finance home purchase + renovation in one FHA loan. Limited 203(k) covers up to $75,000 for non-structural repairs. Stan...
NY Home Energy Assistance Program pays heating and cooling bills for low-income households, freeing up money for home re...
Buffalo’s median build year is 1938, virtually every pre-1978 home (the vast majority in the city) may have lead paint. ...
IRS Volunteer Income Tax Assistance program through United Way of Buffalo & Erie County. Free tax prep to ensure homeown...
SONYMA offers first-time buyers below-market 30-year fixed rate mortgages through participating lenders. Achieving the D...
NYS Medicaid Home and Community Based Services waiver programs fund home modifications for Medicaid-enrolled residents w...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
USDA's Section 504 program provides grants up to $10,000 for homeowners age 62+ with very low incomes in rural areas to ...
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 NYSERDA Comfort Home Program offers rebates to New York homeowners for insulation and air sealing improvements in on...
NYS Clean Heat provides rebates for the installation of cold-climate air-source heat pumps and ground-source heat pump s...
EmPower+ provides no-cost home energy upgrades to income-eligible New York households, including insulation, air sealing...
The NY-Sun Affordable Solar Residential Incentive provides enhanced per-watt rebates exclusively for income-eligible hou...
New York State's HOME Program uses federal HOME Investment Partnerships funds administered by HCR to help low-income hom...
The SBA Buffalo District Office supports small businesses in western New York through the Microloan Program, 7(a) loans,...
The Buffalo Urban Development Corporation (BUDC) provides small business financing through revolving loan funds and econ...
New York's Child Care Assistance Program (CCAP) provides subsidized child care to eligible low-income families statewide...
Buffalo and Erie County Head Start programs provide free comprehensive early childhood services to low-income families. ...
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.
These contractors specialize in grant-funded projects and understand the documentation requirements.
No contractors listed yet, be the first in this market.
Tell us about your project. We'll connect you with contractors in your city who've completed grant-funded work and know the program documentation.
We'll email you when new programs open, deadlines approach, or funding runs low.
53 programs are currently listed for Buffalo, including HOCN CDBG Housing Repair Program, BURA Target Streets Rehab Program, HOCN West Side Home Repair 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 Buffalo, 35 programs do not require repayment, 4 are forgivable loans, and 6 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.