Find grants, rebates, forgivable loans, and free programs for Dayton, OH, filtered to your situation.
As of June 2026, 51 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Dayton, OH, with individual awards up to $126,526. 10 programs target seniors, 6 serve veterans, and 22 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 37 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 6 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 0 | Refunded to you after purchase | Energy-efficiency upgrades |
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City of Dayton's HUD Community Development Block Grant funds housing rehabilitation as the city's top CDBG priority for ...
Nine-organization collaboration providing home repair, weatherization, and energy efficiency services to low-to-moderate...
New pilot program (launching March 2026) offering forgivable 5-year loans for exterior home repairs. Moderate-income hom...
HUD-funded lead hazard reduction program for Dayton properties. Focuses on lead-safe work practices, contractor capacity...
HUD HOME funds used by City of Dayton for affordable housing construction and rehabilitation. Recent projects include Ho...
Sustainability grant for nonprofits working within Dayton city limits on energy efficiency, food access, waste reduction...
Ohio Home Weatherization Assistance Program (HWAP) administered locally by Miami Valley Community Action Partnership. Fr...
Federal LIHEAP-funded energy assistance for AES Ohio customers. One-time benefit applied directly to your utility bill. ...
PIPP Plus caps your electric bill at 5% of gross household income (or 10% for electric heat only). For every on-time pay...
AES Ohio's state-mandated low-income energy efficiency program. Provides free in-home energy inspections and improvement...
Partnership between AES Ohio and The Salvation Army providing emergency utility bill relief for customers with past-due ...
Habitat for Humanity of Greater Dayton provides critical home repairs (roof, electrical, plumbing, weatherization, acces...
Free critical home repairs using volunteer labor and professional contractors for low-income, elderly, disabled, and vet...
CityWide Development Corporation is Dayton's primary CDFI and economic development organization. Provides below-market f...
CountyCorp is Montgomery County's housing and community development organization. Administers the City of Dayton Home Re...
Ohio property tax exemption for seniors (65+) and totally/permanently disabled homeowners. Exempts $28,000 of home marke...
Enhanced homestead exemption for veterans with a 100% service-connected disability rating (or individual unemployability...
30-year fixed-rate FHA, VA, USDA, or conventional mortgage with down payment assistance (DPA). Effective July 1, 2025: 3...
Discounted mortgage interest rate for Ohio public servants: veterans/active duty/reserves/surviving spouses, police/fire...
Federal Mortgage Credit Certificate providing annual tax credit on mortgage interest. MTC Plus: 40% credit, up to $2,000...
Discounted mortgage rate plus down payment assistance for Ohio residents who graduated within the last 18 months with an...
OHFA's 30-year fixed-rate mortgage for repeat homebuyers who don't qualify as first-time buyers. Accepts conventional, F...
Ohio state tax credit of 35% (for communities under 300,000 population, Dayton qualifies) of qualified rehabilitation ex...
Federal 20% tax credit for certified rehabilitation of certified historic structures listed on the National Register of ...
Federal grants for veterans with qualifying service-connected disabilities to adapt or purchase a home for independent l...
VA grant for medically necessary home improvements for veterans receiving VA care. Service-connected disability: up to $...
Loans (1% interest, 20-year term) up to $40,000 for very-low-income homeowners to repair, improve, or modernize homes in...
FHA-insured loan for home improvements up to $25,000. Unsecured (signature only) up to $7,500, no equity required. Suita...
FHA mortgage that finances home purchase + renovation in a single loan. Limited 203(k) covers non-structural repairs up ...
Federal Low Income Home Energy Assistance Program funds distributed through Ohio's HEAP (Home Energy Assistance Program)...
30% federal tax credit on solar panels, battery storage, and geothermal heat pumps installed in your primary or secondar...
Annual federal tax credit of up to 30% of cost for qualifying energy improvements. Caps: $600 windows/skylights; $500 ex...
VA grant for veterans temporarily living in a family member's home who need accessibility modifications. TRA grant is de...
Ohio's dedicated savings account for prospective homebuyers. Contributions and interest earnings are exempt from Ohio in...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Ohio HWAP provides free energy efficiency improvements to income-eligible households statewide, delivered through a netw...
Ohio EPA's WPCLF program provides principal forgiveness loans to Local Health Districts, which pass savings to homeowner...
Ohio Residential PACE allows homeowners to finance energy efficiency and renewable energy improvements through a volunta...
Welcome Home Ohio provides grants up to $100,000 per property to developers, nonprofits, and local governments to purcha...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
OhioMeansJobs Montgomery County serves Dayton area residents with WIOA-funded Individual Training Accounts and career se...
Dayton-area small businesses are served by the SBA Columbus District Office through the Microloan Program, 7(a) loans, a...
The City of Dayton offers microenterprise development programs through its Department of Planning and Community Developm...
Ohio's Child Care Assistance Program (CCAP) helps eligible low-income families pay for child care while parents work, lo...
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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51 programs are currently listed for Dayton, including City of Dayton CDBG Home Repair Program, Dayton Home Repair Network (DHRN), Universal Application, Dayton Home Repair Revolving Loan Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Dayton, 37 programs do not require repayment, 6 are forgivable loans, and 0 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.