Find grants, rebates, forgivable loans, and free programs for Charleston, SC, filtered to your situation.
As of June 2026, 29 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Charleston, SC, with individual awards up to $806,500. 11 programs target seniors, 3 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 | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | Refunded to you after purchase | Energy-efficiency upgrades |
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The City of Charleston offers deferred loans up to $80,000 for major structural and systems repairs on owner-occupied ho...
The City of Charleston Roof Replacement Program provides assistance to income-eligible homeowners needing a new roof. Th...
Charleston County provides grants up to $15,000 for sudden critical system failures including septic systems, water line...
SC Housing administers the Critical Home Repair Program through the SC Housing Trust Fund, providing $5,000-$30,000 to l...
The federally funded Weatherization Assistance Program delivers free energy-efficiency improvements to income-eligible h...
Dominion Energy South Carolina offers rebates of $400-$500 for ENERGY STAR central air conditioners and heat pumps, up t...
Charleston Habitat for Humanity's Home Repair Program helps low- and moderate-income homeowners with critical repair nee...
South Carolina's Homestead Exemption provides a complete property tax exemption on the first $50,000 in Fair Market Valu...
South Carolina provides a full property tax exemption on the primary residence for disabled veterans discharged under ho...
The VA's Specially Adapted Housing (SAH) grant provides up to $126,526 to veterans with qualifying service-connected dis...
The FHA 203(k) loan allows homebuyers and homeowners to finance purchase (or refinance) and renovation costs in a single...
LIHEAP provides financial assistance to low-income households to help pay heating and cooling energy bills. In South Car...
VITA offers free federal and state tax preparation for households earning $60,000 or less, people with disabilities, the...
USDA Section 504 provides repair loans up to $40,000 at 1% fixed interest over 20 years to very-low-income rural homeown...
FEMA's Individuals and Households Program provides grants to homeowners and renters in presidentially declared disaster ...
South Carolina is launching HOMES and HEAR rebate programs using $211M in IRA federal funding. HEAR provides point-of-sa...
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...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
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...
SC Works Trident (formerly Trident Workforce Center) serves the Charleston tri-county area administering WIOA Title I pr...
The SBA South Carolina District Office in Columbia serves Charleston-area small businesses through the Microloan Program...
Charleston County's economic development programs and the Charleston SBDC (hosted by College of Charleston) provide smal...
Charleston homeowners can claim the 30% federal Solar ITC on installation costs. South Carolina offers a state Solar Ene...
South Carolina's ABC Quality Child Care Scholarship program provides subsidies to income-eligible working families. Fami...
Charleston County and Tri-County Community Action Agency operate Head Start and Early Head Start programs in the Charles...
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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29 programs are currently listed for Charleston, including City of Charleston Substantial Rehabilitation Program, City of Charleston Roof Replacement Program, Charleston County Critical 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 Charleston, 18 programs do not require repayment, 4 are forgivable loans, and 2 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.