Find grants, rebates, forgivable loans, and free programs for Florence, AL, filtered to your situation.
As of June 2026, 20 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Florence, AL, with individual awards up to $126,526. 8 programs target seniors, 2 serve veterans, and 4 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 | 0 | 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...
State-administered DOE weatherization program providing free energy efficiency improvements for income-qualified househo...
Provides forgivable loans to low- and moderate-income homeowners for critical home repairs and accessibility modificatio...
Provides low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or mode...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disabili...
Grant for veterans with specific service-connected disabilities (such as blindness or loss of use of hands) to make adap...
CDBG-funded forgivable loan program for major home rehabilitation for low- and moderate-income owner-occupants in Floren...
Grant for emergency repairs posing immediate threats to health and safety for very-low-income owner-occupied households ...
Grant program for accessibility modifications to homes occupied by persons with disabilities in Florence. Covers wheelch...
Provides minor home repairs and safety modifications for seniors age 60+ in Florence and Lauderdale County. Covers repai...
HUD-funded program to reduce lead-based paint hazards in homes built before 1978 with children under age 6. Services inc...
Comprehensive energy efficiency program for income-qualified homeowners served by Joe Wheeler EMC. Includes free energy ...
Federal HOME program funds administered through AHFA for home rehabilitation for low-income homeowners. Provides grants ...
Disaster recovery assistance for homeowners affected by federally declared disasters in Alabama. Provides grants for rep...
Grant program administered through local member banks for owner-occupied housing rehabilitation. Funds must be accessed ...
Cost-sharing program for repair or replacement of private sewer laterals for qualifying Florence residents. Covers up to...
Cost-sharing program for replacement of old or damaged water service lines from the street to the home. Available to Flo...
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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20 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, 15 programs do not require repayment, 3 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.