Find grants, rebates, forgivable loans, and free programs for Florence, KY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Florence, KY, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | 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...
Provides forgivable loans up to $35,000 for homeowners to make critical repairs and improvements to owner-occupied homes...
Federal WAP program administered by Kentucky to reduce energy costs for low-income households. Services include insulati...
Provides forgivable loans to low- and moderate-income homeowners in Boone County for major home repairs. Loan forgiven a...
Provides emergency repair grants to very low-income owner-occupants in Boone County for health and safety hazards. Prior...
Provides grants for accessibility modifications to homes of disabled and elderly residents in Boone County. Covers ramps...
Free in-home energy assessment and installation of efficiency products for Duke Energy customers. Includes LED bulbs, sm...
Rebates for qualifying high-efficiency HVAC equipment installed by licensed contractors. Up to $500 for heat pumps with ...
Rebates for electric heat pump water heaters and air source heat pumps. Eligible equipment must meet ENERGY STAR certifi...
Rebate for residential customers who install grid-tied solar photovoltaic systems. Available to Duke Energy Kentucky cus...
HUD-funded program to reduce lead-based paint hazards in qualifying Kentucky homes built before 1978. Priority given to ...
Provides loans up to $40,000 and grants up to $10,000 for very low-income homeowners to repair, improve, or modernize th...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their adaptive n...
Grants for veterans with certain service-connected disabilities to adapt a family member's home where they reside. Avail...
Federal income tax credit equal to 20% of qualified rehabilitation expenses for certified historic structures. Property ...
Emergency assistance for households facing heating or cooling crisis. Helps with furnace repairs, utility shutoff preven...
Assists low-income homeowners in Boone County with repairs to failing private sewer laterals. Covers excavation, replace...
Provides down payment and closing cost assistance to first-time homebuyers purchasing in Kentucky. Offered as a second m...
Free homebuyer education and counseling services for prospective homebuyers in Kentucky. Covers budgeting, credit, mortg...
Provides emergency home repair grants to low-income seniors age 60+ in Boone County. Covers essential repairs to maintai...
Federal tax credit equal to 30% of the cost of installing a residential solar energy system. Available for installations...
Provides forgivable loans to landlords who rehabilitate rental units and rent to low-income tenants. Requires 5-year aff...
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 Florence, 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 Florence, 16 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.