Find grants, rebates, forgivable loans, and free programs for Cocoa, FL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cocoa, FL, with individual awards up to $126,526. 8 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | 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...
Federal DOE-funded program administered by Florida DEO to reduce energy costs through insulation, air sealing, HVAC tune...
State Housing Initiatives Partnership (SHIP) funds administered by Brevard County provide forgivable loans for home repa...
Federal USDA program providing loans up to $40,000 at 1% interest and grants up to $10,000 for very-low-income homeowner...
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 (such as blindness in both eyes or loss of use of both...
Brevard County provides forgivable loans for major home rehabilitation to income-eligible homeowners. Funds address code...
FPL provides free in-home energy surveys to identify opportunities to save energy and money. Survey includes installatio...
FPL offers rebates for installation of qualifying high-efficiency air conditioners, heat pumps, and duct systems. Rebate...
FPL's community solar program allows customers to subscribe to a share of solar energy generated at FPL solar facilities...
Federal tax credit for homeowners who install solar photovoltaic systems on their primary or secondary residence. The cr...
Grant program for low-income homeowners with disabilities to make accessibility modifications such as wheelchair ramps, ...
Provides grants for minor home repairs and accessibility modifications for low-income seniors age 60 and over in Brevard...
Federal HOME funds administered by Brevard County for major home rehabilitation to bring properties up to code and addre...
FPL's Care To Share program, administered by The Salvation Army, provides one-time utility bill assistance up to $600 pe...
Florida homeowners age 65 and older with household income below approximately $32,000 may qualify for an additional home...
Florida homeowners who are totally and permanently disabled may receive an additional $500 property tax exemption. Appli...
Low-interest loan program to assist income-eligible homeowners with the cost of repairing or replacing private sewer lat...
FPL offers rebates up to $500 for installation of qualifying ENERGY STAR certified heat pump water heaters, which use si...
Federal tax credit under the Inflation Reduction Act for installation of qualifying ENERGY STAR certified heat pumps. Cr...
FPL provides rebates and installation credits for qualifying smart thermostats that participate in the On Call demand re...
Federally funded program administered by Florida DCF that provides one-time assistance with energy bills for low-income ...
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, 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, 17 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.