Find grants, rebates, forgivable loans, and free programs for Cape Coral, FL, filtered to your situation.
As of June 2026, 31 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cape Coral, FL, with individual awards up to $126,526. 8 programs target seniors, 3 serve veterans, and 16 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | 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...
Provides free weatherization services to income-eligible Florida households to reduce energy costs. Services include ins...
State Housing Initiatives Partnership (SHIP) program administered by Lee County provides home rehabilitation grants and ...
CDBG-funded rehabilitation program for low-income owner-occupants in Cape Coral. Provides forgivable loans for major hom...
Emergency grant program for very low-income Cape Coral homeowners facing immediate health or safety hazards. Covers urge...
Provides grants and forgivable loans for accessibility modifications to homes occupied by persons with disabilities. Inc...
HUD-funded program to eliminate lead-based paint hazards in pre-1978 homes with children under 6 years old. Services inc...
LCEC customers who upgrade to high-efficiency central air conditioning systems (16 SEER or higher) receive rebates. High...
Rebate for LCEC customers who install qualifying electric heat pump water heaters. Must meet efficiency standards and be...
LCEC offers rebates for residential solar photovoltaic systems at $0.50 per watt up to $3,000. Must be grid-tied system ...
Federal tax credit for residential solar installations. Homeowners can claim 30% of total system cost including equipmen...
Low-interest loans and grants for very low-income homeowners in eligible rural areas near Cape Coral to repair or improv...
Grant for veterans with certain service-connected disabilities to adapt a home for wheelchair accessibility. Covers majo...
Grant for veterans with certain service-connected disabilities (such as blindness or loss of use of hands) to adapt a ho...
Provides free wind inspections and matching grants up to $10,000 for hurricane mitigation improvements such as roof rein...
FEMA-funded flood mitigation for properties with repetitive flood losses. Projects may include home elevation, acquisiti...
Provides minor home modifications for seniors 60 and older to enable aging in place. Services include grab bars, shower ...
Additional homestead exemption for seniors 65+ with household income below approximately $32,000. Provides exemption on ...
Property tax exemptions for qualified persons with total and permanent disabilities, blind persons, and quadriplegics. E...
Financing assistance for Cape Coral residents who need to replace or repair private water or sewer laterals. City offers...
Rebate for LCEC customers who upgrade attic insulation to R-30 or higher. Helps reduce cooling costs in Florida climate....
Rebate for LCEC customers who purchase and install qualifying smart thermostats and participate in the demand response p...
Federal HOME funds administered by Lee County for owner-occupied rehabilitation. Provides deferred or forgivable loans t...
Provides disaster recovery assistance after hurricanes and major storms. Programs activate following federal disaster de...
Low Income Home Energy Assistance Program provides help with cooling bills or AC repairs for eligible Florida households...
Assistance for homeowners required to connect to public sewer when service becomes available. Grants and low-interest lo...
Matching grants and insurance discounts for homeowners who install impact-resistant windows and doors. Citizens Property...
CDBG-funded program providing wheelchair ramps and accessibility modifications for low-income Lee County residents with ...
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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31 programs are currently listed for Cape Coral, 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 Cape Coral, 18 programs do not require repayment, 4 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.