Find grants, rebates, forgivable loans, and free programs for Charlotte, NC, filtered to your situation.
As of June 2026, 49 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Charlotte, NC, with individual awards up to $450,000. 18 programs target seniors, 11 serve veterans, and 21 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 34 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 6 | 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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The City of Charlotte provides deferred forgivable loans to low- and moderate-income homeowners for essential repairs an...
HouseCharlotte, administered by DreamKey Partners, offers 0% interest deferred forgivable loans for down payment and clo...
The Neighborhood Matching Grants Program awards up to $25,000 to eligible neighborhood organizations to improve the liva...
Mecklenburg County funds critical home repairs for low- to moderate-income homeowners at no cost through partnerships wi...
The HOMES (Helping Out Mecklenburg's homeowners with Economic Support) program provides grants of 35% of the Mecklenburg...
Habitat Charlotte Region provides free critical home repairs to seniors and income-qualified homeowners at or below 50% ...
Rebuilding Together Greater Charlotte provides free major home repairs to low-income homeowners in Mecklenburg, Gaston, ...
The Safe at Home program by Rebuilding Together Greater Charlotte installs accessibility modifications at no cost to qua...
Greater Matthews Habitat for Humanity offers free critical home repairs to low-income homeowners in Matthews, Mint Hill,...
The NCHFA Urgent Repair Program provides deferred, forgivable loans of up to $15,000 for emergency home repairs to very ...
The NC Weatherization Assistance Program helps low-income households reduce energy costs through comprehensive weatheriz...
The NC Home Advantage Mortgage is a competitive-rate first mortgage with down payment assistance up to 5% of the loan am...
North Carolina permanently reduces property taxes for homeowners age 65+ or totally and permanently disabled with income...
The NC Circuit Breaker program defers the portion of property taxes that exceeds a set percentage of the owner's income ...
North Carolina veterans with a 100% permanent and total service-connected disability rating from the VA, or who receive ...
The VA Specially Adapted Housing grant provides up to $126,526 (FY 2026) to veterans with severe service-connected disab...
The VA Special Housing Adaptation grant provides up to $25,350 (FY 2026) to veterans with qualifying service-connected d...
The VA HISA grant covers medically necessary home modifications for veterans receiving VA care. Veterans with a service-...
USDA Section 504 loans provide up to $40,000 at 1% interest over 20 years to very low-income homeowners in eligible rura...
USDA Section 504 grants of up to $10,000 are available to very low-income homeowners age 62 or older who cannot repay a ...
The FHA 203(k) Standard loan wraps purchase (or refinance) and major rehabilitation costs into a single mortgage. Borrow...
The FHA 203(k) Limited (Streamline) loan allows homeowners to finance up to $35,000 in non-structural rehabilitation cos...
North Carolina's LIEAP program (funded by federal LIHEAP) provides one-time annual heating or cooling bill assistance to...
Duke Energy Carolinas offers rebates to residential customers for qualifying energy efficiency upgrades including heat p...
Duke Energy's Income-Qualified Weatherization program (Helping Home Fund) provides free comprehensive weatherization and...
Piedmont Natural Gas (a Duke Energy subsidiary) offers rebates to current Mecklenburg County gas customers replacing nat...
The City of Charlotte received a $3.5 million EPA/HUD Lead-Based Paint Hazard Reduction grant to identify and control le...
FEMA's Hazard Mitigation Grant Program funds structural elevation, reinforcement, and property acquisitions to reduce di...
The Renew NC Single-Family Housing Program provides CDBG-DR-funded repair and reconstruction grants to low-to-moderate i...
The NC 1st Home Advantage Down Payment program offers $15,000 as a 0% interest deferred second mortgage to first-time ho...
Mecklenburg County DSS administers federal LIEAP/LIHEAP funds providing one-time annual payments toward heating or cooli...
Charlotte Center for Legal Advocacy offers free assistance to low-income homeowners navigating NC property tax relief pr...
Duke Energy Carolinas' Customer Assistance Program (CAP) provides a monthly electric bill credit of up to $42 for income...
The Mecklenburg County Assessor's Office administers three property tax relief programs: the Elderly/Disabled Homestead ...
NCHFA's 'Repair Your Home' resource portal connects North Carolina homeowners to state and federal repair programs inclu...
HUD's HOME Investment Partnerships Program provides federal formula grants to Charlotte to fund affordable housing rehab...
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...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Free tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) program, operating as Free Tax Prep...
NCWorks Career Centers in Charlotte/Mecklenburg County administer WIOA Title I programs with Individual Training Account...
The SBA North Carolina District Office in Charlotte supports small businesses through the Microloan Program, 7(a) loans,...
Charlotte Business INclusion (CBI) is a City of Charlotte program that supports minority-owned, women-owned, and small b...
Charlotte homeowners can combine the 30% federal Solar ITC with Duke Energy Progress's residential solar rebate program....
North Carolina's Child Care Subsidy Program helps low-income working families pay for child care through county DSS offi...
Mecklenburg County DSS and partner agencies operate Head Start and Early Head Start programs in Charlotte. These federal...
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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49 programs are currently listed for Charlotte, including City of Charlotte Owner-Occupied Housing Rehabilitation, HouseCharlotte Down Payment Assistance Program, City of Charlotte Neighborhood Matching Grants.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Charlotte, 34 programs do not require repayment, 6 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.