Find grants, rebates, forgivable loans, and free programs for Chattanooga, TN, filtered to your situation.
As of June 2026, 30 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Chattanooga, TN, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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 forgivable loans for major home repairs to income-qualified owner-occupants in Chattanooga. Loan is forgiven af...
Provides emergency grants for urgent home repairs that pose immediate threats to health and safety for very low-income h...
Provides grants for accessibility modifications to homes occupied by persons with disabilities in Chattanooga. Modificat...
Provides home repair grants specifically for senior homeowners age 62 and older in Chattanooga. Covers essential repairs...
Provides financial assistance to income-qualified homeowners for repair or replacement of private water service laterals...
Provides low-interest loans to homeowners for repair or replacement of private sewer laterals. Available to all income l...
Federally funded program providing free weatherization services to low-income households in Hamilton County. Services in...
State-funded emergency repair grants for very low-income homeowners facing urgent health and safety issues. Administered...
Low-interest deferred loans for major home repairs to income-qualified homeowners in Tennessee. Interest and payment def...
Rebate for installation of qualifying high-efficiency heat pumps in EPB service territory. Helps reduce energy costs and...
Rebate for qualifying insulation and air sealing improvements in EPB service territory. Reduces energy waste and improve...
Rebate for installation of high-efficiency electric or heat pump water heaters in EPB service territory. Heat pump water...
Rebate for purchase and installation of qualifying smart thermostats in EPB service territory. Smart thermostats optimiz...
EPB's solar program allows customers to subscribe to community solar or install private solar systems with net metering....
TVA-funded program providing comprehensive energy efficiency upgrades to income-qualified homeowners in EPB service terr...
State-administered program to reduce lead-based paint hazards in pre-1978 homes with children under 6 years old. Service...
Low-interest loans up to $40,000 for repairs to make homes safe and sanitary in eligible rural areas near Chattanooga. A...
Grants up to $10,000 for very low-income senior homeowners age 62+ in eligible rural areas to remove health and safety h...
Grants to help veterans with certain service-connected disabilities purchase or modify a home to meet their accessibilit...
Grants to help veterans with certain service-connected disabilities adapt a home to meet their accessibility needs. Avai...
Federal HOME Investment Partnerships Program funds administered by Hamilton County for owner-occupied rehabilitation. Fo...
State-administered disaster recovery assistance for unmet needs after federally declared disasters. Provides grants for ...
Assistance for homeowners facing foreclosure due to unemployment or underemployment. Provides funds to bring mortgages c...
State tax credit equal to 25% of qualified rehabilitation expenditures for certified historic structures in Tennessee. C...
Federally funded program providing assistance with home energy bills for low-income households in Hamilton County. Helps...
Free homebuyer education courses offered by HUD-approved counseling agencies in Tennessee. Required for THDA down paymen...
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 Chattanooga, 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 Chattanooga, 20 programs do not require repayment, 3 are forgivable loans, and 4 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.