Find grants, rebates, forgivable loans, and free programs for Cortland, NY, filtered to your situation.
As of June 2026, 22 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cortland, NY, with individual awards up to $500,000. 5 programs target seniors, 4 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 | 1 | 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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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 weatherization program administered by New York State providing free energy efficiency improvements to ...
NYSEG customers receive a free home energy assessment and are eligible for rebates on approved energy efficiency improve...
NYSEG offers rebates for installation of qualifying air-source or ground-source heat pumps in existing homes. Rebate amo...
EmPower+ provides comprehensive no-cost energy efficiency improvements for income-eligible New York households. Includes...
State-funded program to eliminate lead paint hazards in homes built before 1978 where children under age 6 reside. Servi...
USDA program offering low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair or i...
VA grant for veterans with certain service-connected disabilities to adapt or purchase a home to meet their needs. Cover...
VA grant for veterans with certain service-connected disabilities to make accessibility adaptations to a family member's...
HUD HOME Investment Partnership funds administered by Cortland County for owner-occupied home rehabilitation. Forgivable...
County-funded program providing grants for home accessibility modifications to help seniors age in place safely. Covers ...
NY-Sun program provides per-watt incentives for residential solar installations in New York State. Incentive amounts var...
State competitive grant program for residential and mixed-use property rehabilitation in municipalities throughout New Y...
New York State property tax exemption for homeowners age 65 and older who meet income requirements. Reduces assessed hom...
Enhanced School Tax Relief program for New York homeowners age 65 and older with incomes below $98,700. Provides propert...
New York State tax credit equal to 20% of qualified rehabilitation expenses for owner-occupied homes listed on the Natio...
Property tax exemption for disabled veterans and their family members. Exemption percentage varies by disability rating ...
Alternative property tax exemption for veterans who served during wartime. Provides 15% exemption for veterans, 25% for ...
Property tax exemption for very-low-income homeowners in Cortland County. Provides sliding scale reduction of assessed h...
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 Cortland, 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 Cortland, 18 programs do not require repayment, 1 is forgivable loan, 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.