Find grants, rebates, forgivable loans, and free programs for Cocoa Beach, FL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cocoa Beach, FL, with individual awards up to $126,526. 5 programs target seniors, 3 serve veterans, and 13 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Federally funded program that reduces energy costs for low-income households through free weatherization improvements in...
State-supported home improvement loan program offering low-interest financing for rehabilitation and repairs. Available ...
Provides grants up to $10,000 for seniors 62+ and loans up to $20,000 for very low-income homeowners to repair, improve,...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Co...
Assists veterans with certain service-connected disabilities to modify their home for accessibility. Covers adaptations ...
Provides forgivable loans for major home repairs and rehabilitation to low- and moderate-income homeowners in Brevard Co...
Provides emergency repair grants for very low-income homeowners in Brevard County to address immediate health and safety...
Assists Brevard County homeowners with making accessibility modifications for household members with disabilities. Cover...
Provides rebates for FPL customers who install solar photovoltaic systems. Rebate amount based on system size and capaci...
Free online energy survey that provides personalized recommendations to reduce energy consumption and lower utility bill...
Rebate for FPL customers who install qualifying high-efficiency air conditioners or heat pumps. Equipment must meet mini...
FPL provides discounts on smart thermostats and annual bill credits in exchange for allowing brief temperature adjustmen...
State-administered HUD program to identify and remediate lead-based paint hazards in homes built before 1978 where child...
State Housing Initiatives Partnership (SHIP) program provides grants for hurricane mitigation improvements including imp...
State program providing free wind mitigation inspections and grants up to $10,000 for hurricane retrofitting improvement...
Additional homestead exemption for qualifying seniors 65+ with household income below state threshold. Provides up to $5...
Property tax exemption for Florida residents who are totally and permanently disabled. Provides $500 reduction in assess...
Property tax exemptions for qualifying veterans with service-connected disabilities. 10% or more VA disability rating pr...
Low-interest financing program to help homeowners connect to public sewer systems when septic-to-sewer conversion is req...
Rebate for Brevard County water utility customers who install high-efficiency water heaters. Covers heat pump water heat...
State-administered CDBG-DR program that activates following federally declared disasters to help low- and moderate-incom...
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 Cocoa Beach, 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 Cocoa Beach, 18 programs do not require repayment, 2 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.