Find grants, rebates, forgivable loans, and free programs for Denver, CO, filtered to your situation.
As of June 2026, 43 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Denver, CO, with individual awards up to $200,000. 11 programs target seniors, 5 serve veterans, and 21 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 27 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | Refunded to you after purchase | Energy-efficiency upgrades |
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Denver's flagship owner-occupied rehab program provides 0-1% interest deferred loans up to $50,000 for essential repairs...
Zero-percent, perpetually deferred emergency loans for Denver homeowners facing urgent health, safety, or structural rep...
RHAMP provides grants up to $15,000 for accessibility modifications to help Denver residents with qualifying ADA-defined...
This HUD-funded grant covers 100% of costs for lead-risk assessment, abatement planning, and full lead remediation in pr...
Brothers Redevelopment provides low- and fixed-income seniors (60+) and people with disabilities access to home modifica...
The Paint-A-Thon is an annual volunteer-driven program providing free exterior painting to qualifying Denver-area homeow...
Habitat Metro Denver partners with homeowners in targeted Denver neighborhoods (currently Westwood, Globeville, Elyria-S...
The CAPABLE (Community Aging in Place, Advancing Better Living for Elders) program pairs seniors age 65+ with an occupat...
Rebuilding Together Colorado provides free critical home repairs to low-income homeowners across the five-county Denver ...
Xcel Energy offers Colorado residential customers rebates on cold-climate heat pumps ($2,250/ton at 5°F), heat pump wate...
The federally-funded Home Electrification and Appliance Rebate (HEAR) program provides point-of-sale rebates to househol...
WAP provides free weatherization services to income-qualified Coloradans, prioritizing households with seniors, people w...
Colorado's Low-Income Energy Assistance Program (LEAP) provides heating cost assistance of $200-$1,000 to eligible house...
CHFA SmartStep is a statewide 30-year fixed mortgage available to first-time buyers, eligible veterans, or buyers in tar...
CHFA HomeAccess provides a zero-interest second mortgage up to $25,000 for down payment, closing costs, and prepaid expe...
Colorado seniors who are 65+ and have owned and occupied their home for at least 10 consecutive years qualify for a prop...
Honorably discharged veterans with a VA-rated 100% permanent service-connected disability (or individual unemployability...
Colorado's residential Historic Preservation Tax Credit was increased from $50,000 to $100,000 effective January 1, 2026...
The VA Specially Adapted Housing (SAH) grant provides up to $126,526 (FY2026) for veterans with severe service-connected...
The VA Special Housing Adaptation (SHA) grant of up to $9,100 (FY2026) helps veterans with qualifying service-connected ...
The VA HISA grant provides a lifetime benefit of up to $6,800 for veterans with service-connected conditions (or $2,000 ...
USDA Section 504 provides loans up to $40,000 at 1% interest over 20 years for very-low-income homeowners to repair or m...
The FHA 203(k) loan combines a home purchase or refinance with renovation financing into a single mortgage. The Streamli...
The FHA Title I loan provides up to $25,000 in unsecured improvement financing (for loans under $7,500, no lien required...
Colorado Proposition 123 (passed November 2022) directed approximately $300 million in state tax revenue to affordable h...
HB24-1457 created a pilot grant fund of up to $200,000/year (FY2025-26 and FY2026-27) for CDPHE to award grants to local...
HUD's national Lead Hazard Reduction grant program provides municipalities and states with $4-7M each to eliminate lead-...
FEMA's Hazard Mitigation Grant Program provides funding following a Presidentially declared disaster to help communities...
The IRS Volunteer Income Tax Assistance (VITA) program provides free, certified tax preparation for households earning r...
EnergySmart Colorado provides subsidized home energy assessments and connects homeowners to available rebates from Xcel ...
The IRS Section 25C tax credit provides 30% of qualifying upgrade costs each year, up to $3,200 annually ($1,200 for ins...
CHFA HomeOpener is a 30-year fixed-rate mortgage with no first-time homebuyer requirement and no purchase price limits, ...
Colorado's Home Efficiency Rebate (HER) program for mobile and manufactured homes launched in January 2026 and supports ...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
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...
Denver Workforce Services, through the Denver Office of Economic Development and Opportunity (DEDO), administers WIOA Ti...
The SBA Colorado District Office in Denver supports small businesses through the Microloan Program, 7(a) loans, and 504 ...
Denver's Office of Economic Development and Opportunity (DEDO) provides small business support through the Denver Small ...
Denver homeowners can claim the 30% federal Solar ITC and participate in Xcel Energy's Solar*Rewards program, which pays...
Colorado's Child Care Assistance Program (CCCAP) helps low-income families pay for child care through county human servi...
Denver Human Services and partner organizations operate Head Start and Early Head Start programs throughout the city. De...
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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43 programs are currently listed for Denver, including Denver HOST Single Family Rehabilitation Loan, Denver HOST Emergency Home Repair Loan, Denver Renter/Homeowner Access Modification Program (RHAMP).
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Denver, 27 programs do not require repayment, 3 are forgivable loans, and 5 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.