Find grants, rebates, forgivable loans, and free programs for Enid, OK, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Enid, OK, with individual awards up to $126,526. 5 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 | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Provides major home repairs for owner-occupied households in Enid city limits with income at or below 80% AMI. Loan is f...
Provides emergency home repairs for health and safety hazards in owner-occupied homes within Enid city limits. Applicant...
Provides accessibility modifications for owner-occupied homes in Enid where a resident with a documented disability live...
Assists low-income owner-occupants in Enid with repair or replacement of failing sewer lateral lines on private property...
Free weatherization services for income-qualified households in Garfield County. Provides insulation, air sealing, HVAC ...
OG&E offers rebates for energy-efficient home improvements including high-efficiency heat pumps ($650), central AC ($375...
Time-of-use electric rate plan that offers lower rates during off-peak hours (nights and weekends) and higher rates duri...
Rebates for high-efficiency natural gas equipment for Oklahoma Natural Gas customers in Enid. Includes furnaces ($400-$6...
Low-interest loans up to $40,000 (1% fixed, 20-year term) for very-low-income homeowners in eligible rural areas near En...
Grants up to $10,000 for very-low-income homeowners age 62+ in eligible rural areas near Enid to remove health and safet...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to meet accessibility ne...
Grants for veterans with certain service-connected disabilities to adapt a home to meet accessibility needs. Covers vete...
Below-market interest rate mortgages for first-time homebuyers in Oklahoma, including Enid. Income and purchase price li...
Down payment and closing cost assistance for eligible homebuyers purchasing in Oklahoma, including Enid. Provided as a s...
Enhanced down payment assistance for K-12 public school teachers in Oklahoma purchasing a home. Provides an additional $...
Oklahoma homeowners age 65+ with annual household income of $12,000 or less may claim complete exemption from property t...
Oklahoma homeowners who are 100% disabled (as certified by a state or federal agency) with annual household income of $2...
Grants for owner-occupied home rehabilitation for households at or below 80% AMI in Oklahoma. Administered through local...
Low Income Home Energy Assistance Program (LIHEAP) helps low-income households pay heating and cooling bills. Priority f...
Housing repair, rehabilitation, and homeownership assistance for Cherokee Nation citizens. Programs include emergency re...
Federal tax credit up to $2,000 for installation of ENERGY STAR certified heat pumps in existing homes. Part of the Infl...
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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25 programs are currently listed for Enid, 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 Enid, 19 programs do not require repayment, 2 are forgivable loans, 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.