Find grants, rebates, forgivable loans, and free programs for Cullman, AL, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cullman, AL, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 9 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 | 4 | 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...
AHFA's Step Up program provides forgivable loans to income-eligible homeowners for critical home repairs and improvement...
Federally funded weatherization program administered by ADECA through North Central Alabama Regional Council. Provides f...
CDBG-funded program for owner-occupied rehabilitation in Cullman city limits. Provides forgivable loans for major home r...
Provides emergency repair grants for owner-occupied homes in Cullman with immediate health and safety hazards. Available...
USDA program offering low-interest loans up to $40,000 and grants up to $10,000 for very low-income rural homeowners age...
Alabama Power offers rebates for energy-efficient HVAC systems, heat pumps, water heaters, and home insulation upgrades....
Rebate for installing qualifying high-efficiency heat pumps (14 SEER or higher). Available to all Alabama Power resident...
Rebate for purchasing and installing qualifying electric water heaters with energy-efficient ratings. Available to all A...
VA grant for veterans with certain service-connected disabilities to build, remodel, or purchase a specially adapted hom...
VA grant for veterans with certain service-connected disabilities to adapt a home with special features for mobility or ...
Low-Income Home Energy Assistance Program helps eligible households pay heating and cooling bills. Administered through ...
Mortgage Credit Certificate provides a dollar-for-dollar federal tax credit equal to 50% of annual mortgage interest pai...
AHFA provides down payment and closing cost assistance to first-time homebuyers. The assistance is a forgivable second m...
Provides home repair grants to low-income senior homeowners (age 60+) in Cullman County. Covers critical repairs includi...
CDBG-funded program providing grants for accessibility modifications to homes of low-income residents with disabilities....
HUD-funded program administered by Alabama Department of Public Health to remove lead-based paint hazards in pre-1978 ho...
Low-interest loan program to help homeowners repair or replace private sewer laterals connecting to city sewer mains. Av...
Federal tax credit equal to 30% of the cost of installing solar panels and battery storage on residential property. Avai...
Federally funded HOME program providing forgivable loans for comprehensive home rehabilitation to low-income homeowners....
Combined state and federal tax credits for substantial rehabilitation of historic properties. Alabama offers 25% state c...
Alabama homeowners age 65+ with annual income of $12,000 or less may qualify for full exemption from state property taxe...
Alabama homeowners who are permanently and totally disabled with annual income of $12,000 or less may qualify for full e...
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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26 programs are currently listed for Cullman, 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 Cullman, 17 programs do not require repayment, 4 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.