Find grants, rebates, forgivable loans, and free programs for Charleston, WV, filtered to your situation.
As of June 2026, 30 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Charleston, WV, with individual awards up to $126,526. 9 programs target seniors, 4 serve veterans, and 11 require no income limit.
Data last verified 2026-05-31. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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...
Low-interest rehabilitation loan program for owner-occupied homes in West Virginia. Funds can be used for major repairs,...
Federally-funded program providing free home weatherization services to income-eligible households in Kanawha County. In...
State-funded lead hazard control program for homes with elevated blood lead levels in children. Provides assessment, int...
CDBG-funded program providing forgivable loans for major home repairs to low- and moderate-income homeowners in Charlest...
Emergency grant program for urgent health and safety repairs for very low-income homeowners in Charleston. Priority give...
CDBG-funded program providing grants for accessibility modifications to enable disabled homeowners to remain in their ho...
Rebate program for Appalachian Power customers installing energy-efficient equipment and improvements. Includes heat pum...
Rebate for installation of qualifying air-source or ground-source heat pumps for Appalachian Power customers. Requires m...
Comprehensive energy efficiency rebate program for Mon Power customers in parts of Kanawha County. Covers heat pumps, ce...
Low-interest loans (1%) for very low-income homeowners in eligible rural areas near Charleston to repair, improve, or mo...
Grants for very low-income homeowners age 62+ in eligible rural areas to remove health and safety hazards. Can be combin...
Grant for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate t...
Grant for veterans with certain service-connected disabilities to adapt a family member's home in which they reside. Cov...
Federally-funded HOME program providing forgivable loans for substantial rehabilitation of owner-occupied homes in Charl...
Grant program for low-income senior homeowners (60+) in Kanawha County for minor home repairs and safety modifications. ...
Low-interest loan program to assist Charleston homeowners with repairing or replacing damaged private sewer lateral line...
Financial assistance program for Charleston residents replacing lead water service lines. WV American Water covers repla...
State and federal disaster recovery assistance activated following presidentially-declared disasters. May include CDBG-D...
Property tax exemption for West Virginia homeowners who are age 65+, permanently disabled, or 100% disabled veterans. Ex...
Targeted neighborhood revitalization program providing forgivable loans for substantial home rehabilitation in designate...
Matching grant program for preservation of properties listed on the National Register of Historic Places. Requires 50% o...
Minor home repair program for low-income homeowners in Kanawha County, with priority for seniors. Addresses urgent healt...
CDBG-funded grant specifically for removing architectural barriers in homes occupied by persons with disabilities. Cover...
VA grant for medically necessary home improvements for veterans receiving VA healthcare. Covers accessibility modificati...
Down payment and closing cost assistance for first-time homebuyers in West Virginia. Combines with competitive mortgage ...
Provides heating assistance to income-eligible West Virginia households during the winter heating season. Includes crisi...
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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30 programs are currently listed for Charleston, 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 Charleston, 17 programs do not require repayment, 4 are forgivable loans, and 3 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.