Find grants, rebates, forgivable loans, and free programs for Clearwater, FL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Clearwater, FL, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 9 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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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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...
CDBG-funded forgivable loan program for major home rehabilitation for low-income owner-occupants in Clearwater. Loan is ...
Emergency repair grant for very low-income homeowners in Clearwater facing immediate health and safety hazards. Covers c...
Provides accessibility modifications for Clearwater homeowners with disabilities to improve home safety and accessibilit...
Pinellas County program providing emergency repair assistance to low-income homeowners county-wide, including Clearwater...
Federally funded weatherization program administered through Florida DEO providing energy efficiency upgrades to low-inc...
HUD-funded program administered by Florida DOH to identify and remediate lead-based paint hazards in homes built before ...
State Housing Initiatives Partnership (SHIP) program providing home repair assistance to low- and moderate-income homeow...
Free in-home energy assessment for Duke Energy residential customers. Certified energy advisor provides personalized rec...
Rebates for Duke Energy residential customers who install qualifying high-efficiency HVAC systems. Rebates range from $5...
Rebate for Duke Energy residential customers who install qualifying heat pump water heaters. Heat pump water heaters are...
Florida offers property tax exemption for residential solar installations, meaning the added home value from solar is ex...
Net metering allows Duke Energy customers with rooftop solar to receive credit for excess electricity sent back to the g...
USDA program providing low-interest loans and grants for home repairs in eligible rural areas. Loans up to $27,500 at 1%...
VA grant for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disab...
VA grant for veterans with certain service-connected disabilities to adapt their home. Covers accessibility modification...
Pinellas County program providing minor home repairs and safety modifications for low-income seniors age 60+ to help the...
Florida Housing's disaster recovery program providing home repair grants after federally declared disasters. Assists hom...
City of Clearwater program assisting low-income homeowners with repair or replacement of private sewer lateral lines fro...
Pinellas County program providing financial assistance to low-income homeowners for replacement of aging or leaking wate...
Federal HOME Investment Partnerships Program funds administered by Pinellas County for major rehabilitation of owner-occ...
Low Income Home Energy Assistance Program (LIHEAP) weatherization component providing energy efficiency improvements to ...
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 Clearwater, 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 Clearwater, 19 programs do not require repayment, 3 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.