Find grants, rebates, forgivable loans, and free programs for Cleveland, TN, filtered to your situation.
As of June 2026, 22 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cleveland, TN, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 8 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 14 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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...
THDA's Great Choice program offers down payment and closing cost assistance for first-time homebuyers in Tennessee. Prov...
Federal weatherization program administered locally by Southeast Tennessee Human Resource Agency. Provides free energy e...
Bradley County's CDBG-funded program provides forgivable loans for substantial home rehabilitation for owner-occupied pr...
CDBG-funded grant program for accessibility modifications to owner-occupied homes in Cleveland city limits. Covers wheel...
USDA program offering low-interest loans up to $40,000 for repairs to owner-occupied homes in eligible rural areas near ...
USDA grant program for very low-income homeowners age 62+ in eligible rural areas to remove health and safety hazards. G...
VA grant for veterans with certain service-connected disabilities to adapt a home to meet their accessibility needs. Eli...
VA grant for veterans with certain service-connected disabilities to make accessibility adaptations to a family member's...
TVA rebate program administered through Cleveland Utilities for upgrading to a qualifying high-efficiency heat pump syst...
TVA program offering rebates for adding insulation to attics, walls, or crawl spaces in existing homes. Requires energy ...
TVA rebate for upgrading to a high-efficiency electric water heater or heat pump water heater through Cleveland Utilitie...
Federal Low Income Home Energy Assistance Program helps eligible households pay heating and cooling bills. Administered ...
HUD-funded statewide program to reduce lead-based paint hazards in homes built before 1978 with children under age 6. Fr...
Tennessee state program provides property tax relief for homeowners age 65+ with total annual income below $37,800 (2024...
Cleveland Utilities assistance program for low-income homeowners facing emergency sewer or water lateral line repairs. P...
Federal HOME program funds administered by THDA through local partners for substantial rehabilitation of owner-occupied ...
Federal assistance program to help Tennessee homeowners avoid foreclosure due to unemployment or underemployment. Provid...
TVA's distributed solar program allows Cleveland Utilities customers to install rooftop solar and receive net metering c...
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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22 programs are currently listed for Cleveland, 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 Cleveland, 14 programs do not require repayment, 3 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.