Find grants, rebates, forgivable loans, and free programs for Commack, NY, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Commack, NY, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 11 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...
Provides forgivable loans to income-qualified Suffolk County homeowners for major home repairs and code violations. Loan...
Provides emergency repair grants to very low-income Suffolk County homeowners for immediate health and safety hazards. P...
Free weatherization services for income-qualified New York homeowners and renters. Includes energy audits, air sealing, ...
Free energy efficiency upgrades for income-qualified PSEG Long Island customers. Includes insulation, air sealing, LED b...
Rebates for PSEG Long Island customers who install qualifying high-efficiency air-source or ground-source heat pumps. Re...
Comprehensive home energy assessment for $100 (retail value over $500). Includes blower door test, infrared imaging, com...
New York State personal income tax credit equal to 25% of solar electric system costs, up to $5,000. Stackable with fede...
NYSERDA incentive for residential solar installations on Long Island. Incentive amount decreases as more solar is instal...
Comprehensive rebate program for PSEG Long Island customers purchasing ENERGY STAR appliances, windows, insulation, and ...
HUD-funded program administered by NYS HCR to eliminate lead-based paint hazards in homes built before 1978. Priority fo...
Grant program for Suffolk County homeowners age 60+ to make essential home repairs. Covers roofing, plumbing, electrical...
50% matching grant for home modifications that enable seniors or persons with disabilities to remain safely in their hom...
Grant for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to meet their ac...
Grant for eligible veterans with certain service-connected disabilities to modify a home for accessibility. Smaller adap...
Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or modernize th...
Grants for repair, replacement, or upgrade of failing septic systems to income-qualified homeowners in participating New...
Federally funded HOME Investment Partnerships Program administered by Suffolk County to rehabilitate owner-occupied hous...
Seasonal assistance with heating costs for income-qualified New York households. Regular benefit provides one-time payme...
Partial property tax exemption for Suffolk County homeowners age 65 and older with income below $58,399 (2024 limit). Ex...
School Tax Relief (STAR) program provides property tax relief to New York homeowners. Basic STAR available to all homeow...
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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24 programs are currently listed for Commack, 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 Commack, 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.