Find grants, rebates, forgivable loans, and free programs for Charlottesville, VA, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Charlottesville, VA, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | 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...
Provides major home rehabilitation assistance for low-income owner-occupied homes in Charlottesville. Loan is forgiven a...
Provides emergency repair grants for critical health and safety issues in owner-occupied homes. Covers immediate threats...
Assists low-income homeowners in making accessibility modifications for elderly or disabled residents. Includes ramps, g...
Provides free lead hazard remediation for pre-1978 homes with children under 6 years old. Services include lead testing,...
Provides minor home repair grants for homeowners aged 62 and older. Covers safety-related repairs such as grab bars, han...
Federally funded weatherization program administered by Thomas Jefferson Planning District Commission serving Charlottes...
Rebate for installing qualifying energy-efficient air-source or ductless heat pumps in Dominion Energy service territory...
Rebate for adding insulation to attics, crawl spaces, and walls in Dominion Energy service territory. Must meet minimum ...
Rebate for installing ENERGY STAR certified heat pump water heaters in Dominion Energy service territory. Qualifying uni...
Solar system owners in Virginia can earn Solar Renewable Energy Credits for electricity generated. Each SREC represents ...
Net metering allows solar customers to receive credit for excess electricity sent back to the grid. Credits applied to f...
Federal program for very low-income homeowners in eligible rural areas near Charlottesville. Grants up to $7,500 for sen...
Grant for veterans with certain service-connected disabilities to adapt or purchase a specially adapted home. Covers whe...
Grant for veterans with certain service-connected disabilities to make accessibility adaptations to their residence. Cov...
Federal HOME funds for comprehensive home rehabilitation for low-income owner-occupied households. Covers major repairs ...
Real estate tax relief for Charlottesville homeowners age 65+ or permanently disabled with gross household income below ...
Financial assistance for low-income homeowners to repair or replace failing sewer laterals (the pipe connecting home to ...
Proactive replacement of lead water service lines connecting homes to the public water system. City covers full cost of ...
Matching grant for exterior rehabilitation and restoration of properties in Charlottesville's historic districts. Suppor...
Below-market interest rate mortgages for first-time homebuyers in Virginia through Virginia Housing. Flexible underwriti...
Down payment and closing cost assistance for eligible homebuyers using Virginia Housing mortgage loan. Repaid only if ho...
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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25 programs are currently listed for Charlottesville, 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 Charlottesville, 15 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.