Find grants, rebates, forgivable loans, and free programs for Elmira, NY, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Elmira, NY, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 8 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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...
Federally funded program administered by NYS that provides free weatherization improvements to income-eligible household...
NYSEG customers in Elmira can receive rebates for installing qualifying air-source or ground-source heat pumps. Rebates ...
NYSEG offers rebates on ENERGY STAR certified appliances including refrigerators, clothes washers, water heaters, and sm...
Natural gas customers in Elmira can receive rebates for upgrading to high-efficiency furnaces, boilers, water heaters, a...
Provides zero-interest forgivable loans to income-eligible homeowners in Elmira city limits for major home repairs and r...
Provides emergency repair grants for Elmira homeowners facing immediate health or safety threats. Covers urgent repairs ...
Provides grants for accessibility modifications to owner-occupied homes in Elmira for residents with disabilities or mob...
Provides home repair grants to Chemung County residents age 60 and older for essential maintenance and safety repairs. P...
Federal HOME Investment Partnerships Program funds administered by NYS for substantial rehabilitation of affordable hous...
USDA provides low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners in eligible rural...
VA grant for veterans with certain service-connected disabilities to help purchase or modify a home to meet their adapti...
VA grant for veterans with certain service-connected disabilities to adapt a family member's home in which they will res...
New York State program to eliminate lead-based paint hazards in pre-1978 homes where children under 6 reside or regularl...
NYSERDA offers enhanced incentives for air-source and ground-source heat pump installations in New York homes. Incentive...
Chemung County provides financial assistance to low-income homeowners for repair or replacement of damaged water service...
New York State Housing Trust Fund provides capital funding for housing rehabilitation and improvement projects serving l...
NYS program that supports development and rehabilitation of affordable homeownership units for low- and moderate-income ...
New York State Home Energy Assistance Program (HEAP) provides emergency assistance for heating equipment repair or repla...
CDBG-funded program providing forgivable loans for exterior home improvements in designated Elmira neighborhoods to stab...
HOME-funded program providing down payment and closing cost assistance to first-time homebuyers purchasing in Elmira cit...
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 Elmira, 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 Elmira, 15 programs do not require repayment, 3 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.