Find grants, rebates, forgivable loans, and free programs for Fort Walton Beach, FL, filtered to your situation.
As of June 2026, 22 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Fort Walton Beach, FL, with individual awards up to $300,000. 5 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 | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | 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...
Federally funded weatherization program administered by Florida DEO providing energy efficiency improvements to income-e...
CDBG-funded comprehensive home rehabilitation program for low-income owner-occupants in Fort Walton Beach. Provides forg...
Federal program providing low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair,...
Rebate program for Gulf Power customers who install qualifying high-efficiency central air conditioning or heat pump sys...
Rebate for Gulf Power customers who purchase and install ENERGY STAR certified heat pump water heaters. These units use ...
CDBG-funded program providing accessibility modifications for disabled homeowners in Fort Walton Beach. Covers ramps, wi...
VA grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their accessib...
VA grant for veterans with certain service-connected disabilities to adapt a home for their mobility needs. For veterans...
Federal program that provided mortgage payment and reinstatement assistance to homeowners facing foreclosure due to unem...
State-funded program providing minor home repairs and modifications to help low-income seniors age 60+ remain safely in ...
State matching grant program to help Florida homeowners strengthen homes against hurricane damage. Provides free inspect...
Property Assessed Clean Energy (PACE) financing allows Florida homeowners to finance energy efficiency, renewable energy...
Federal grant program to reduce or eliminate the risk of repetitive flood damage to buildings insured under the National...
Federal tax credit covering 30% of the cost of installing a residential solar energy system, including equipment and ins...
Florida law requires insurance companies to offer premium discounts for homes with hurricane mitigation features. Certif...
Federal disaster recovery program providing grants to repair, reconstruct, or reimburse eligible homeowners for unmet ne...
Federal and state tax credits for rehabilitation of historic homes listed on the National Register or contributing to a ...
Federally funded program providing one-time energy bill payment assistance to eligible low-income households. Priority f...
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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22 programs are currently listed for Fort Walton Beach, 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 Fort Walton Beach, 18 programs do not require repayment, 1 is forgivable loan, 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.