Find grants, rebates, forgivable loans, and free programs for Cleveland, OH, filtered to your situation.
As of June 2026, 57 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cleveland, OH, with individual awards up to $494,000. 16 programs target seniors, 4 serve veterans, and 22 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 35 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 6 | 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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Low-interest (0-3%) loan for owner-occupied 1-2 family homes to address code compliance. Covers one major repair per dec...
Grant for one critical health or safety repair per decade for low-income seniors (60+) and disabled adults (18-59). Cove...
City-funded repairs for seniors 60+ and disabled adults (18-59). $75,000 per ward in 2025. Covers roof, exterior paint, ...
Addresses lead hazards, radon risks, mold, pest control, asthma triggers, electrical hazards, and trip/fall hazards in o...
Free lead risk assessments and grants to control lead-based paint hazards in homes with children under age 6. HUD-funded...
CDBG dollars allocated by City Council to each ward (~$494K per ward in 2025 on the 15-ward map). Supports housing repai...
Grants to eliminate lead hazards (windows, doors, exterior paint) in Cleveland rental and owner-occupied properties. Max...
Free replacement of lead water service lines, both the city-owned and customer-owned portions. Funded via $60M in federa...
Rebates for Dominion Energy Ohio natural gas customers on high-efficiency equipment: furnace (96%+ AFUE, $400), boiler (...
FirstEnergy Ohio electric companies offer rebates on ENERGY STAR appliances: heat pump water heater ($500), clothes wash...
Free in-home energy evaluation and improvements for households at or below 200% of the Federal Poverty Level. Includes a...
CHN provides critical home repairs including plumbing, electrical, roofing, and structural issues for income-qualified C...
Up to $25,000 in repair assistance for income-eligible Cleveland homeowners (≤80% AMI). Structure: 50% grant + 50% zero-...
CHS offers free gutter cleaning/repair/replacement, furnace repair, and general home repair (roof, porch, bathroom mods,...
Free critical exterior repairs for eligible homeowners in targeted Cleveland neighborhoods (Buckeye-Woodhill, Mt. Pleasa...
Free critical home repairs using volunteer labor plus professional contractors for low-income, elderly, disabled, and ve...
Low-interest loan up to $20,000 for major housing components in Cuyahoga County: roof, electrical, furnace, and plumbing...
Below-market home improvement loan for Cuyahoga County homeowners. No income restrictions, few project limitations. Inte...
Lead abatement grants for homeowners and rental property owners in suburban Cuyahoga County communities (outside City of...
Low-interest home improvement loans for homes 50+ years old in participating Cuyahoga County communities. No income limi...
Low fixed-rate home repair loan exclusively for City of Cleveland homeowners. $1,000-$9,900 at 2.99% APR fixed. No incom...
Cleveland Heights nonprofit providing deferred loans (up to $5,000, 0% interest, no monthly payment) and Assist Incentiv...
Ohio property tax exemption for seniors (65+) and totally/permanently disabled homeowners. Exempts $28,000 of home marke...
Enhanced homestead exemption for veterans with a 100% service-connected disability rating (or individual unemployability...
Federal grants for veterans with qualifying service-connected disabilities to adapt or purchase a home for independent l...
VA grant for medically necessary home improvements for veterans receiving VA care. Service-connected disability: up to $...
Loans (1% interest, 20-year term) up to $40,000 for very-low-income homeowners to repair, improve, or modernize. Grants ...
FHA-insured loan for home improvements up to $25,000. Unsecured (signature only) up to $7,500, no equity required. Suita...
FHA mortgage that finances home purchase + renovation in a single loan. Limited 203(k) covers non-structural repairs up ...
30-year fixed-rate FHA, VA, USDA, or conventional mortgage with down payment assistance. As of July 1, 2025: 3% DPA for ...
Ohio state tax credit of 25% (or 35% in communities under 300,000 population) of qualified rehabilitation expenditures f...
City-managed fund coordinating federal and non-federal resources for affordable housing construction and rehabilitation....
Mission-driven up-to-$100M fund managed by LISC Fund Management. Launched 2025 with $18M City of Cleveland grant + $20M ...
Free home assessments and direct assistance to help low-income Cleveland families address housing-related health hazards...
0% interest loans for home repairs and emergency needs. Open to all Greater Cleveland residents regardless of faith. HFL...
City of Cleveland's $15M ARPA-funded home repair program (2024). Up to $30,000 for roofs, HVAC, exterior code violations...
Free hazardous tree and branch removal for seniors and adults with disabilities on limited income in the City of Clevela...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
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...
Ohio HWAP provides free energy efficiency improvements to income-eligible households statewide, delivered through a netw...
Ohio EPA's WPCLF program provides principal forgiveness loans to Local Health Districts, which pass savings to homeowner...
Ohio Residential PACE allows homeowners to finance energy efficiency and renewable energy improvements through a volunta...
Welcome Home Ohio provides grants up to $100,000 per property to developers, nonprofits, and local governments to purcha...
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. Certified volunteers prepa...
The SBA Cleveland District Office supports Cleveland-area small businesses through the Microloan Program, 7(a) loans, an...
The Greater Cleveland Partnership and Fund for Our Economic Future support small business development through financing ...
Ohio's Child Care Assistance Program (CCAP) helps eligible low-income families pay for child care while parents work, lo...
Cleveland and Cuyahoga County Head Start programs provide free comprehensive early childhood services to income-eligible...
The City of Cleveland's Emergency Repair Assistance Program provides CDBG-funded grants to income-qualified homeowners f...
Provides heating assistance and crisis intervention to income-eligible Ohio households through local Community Action Ag...
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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57 programs are currently listed for Cleveland, including Repair-A-Home (RAH), Senior Homeowner Assistance Program (SHAP), Age-Friendly Home Investment Program (AFHIP).
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, 35 programs do not require repayment, 6 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.