Home Improvement Grants in Frankfort.

Find grants, rebates, forgivable loans, and free programs for Frankfort, KY, filtered to your situation.

As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Frankfort, KY, with individual awards up to $126,526. 8 programs target seniors, 2 serve veterans, and 13 require no income limit.

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Showing 25 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $8,500 in weatherization services

Kentucky Weatherization Assistance Program (WAP)

Federally-funded weatherization services for income-eligible Kentucky residents to reduce energy costs through insulatio...

Weatherization
Forgivable loan up to $35,000

Frankfort Owner-Occupied Rehabilitation Program

CDBG-funded forgivable loan for major home repairs in Frankfort city limits. Loan is forgiven after 5 years of maintaini...

Home Repair
Free lead hazard removal

Kentucky Lead Hazard Control Program

HUD-funded program to reduce lead-based paint hazards in homes built before 1978 with children under 6. Services include...

Home Repair
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Program

USDA program providing low-interest loans and grants to very-low-income homeowners in eligible rural areas near Frankfor...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet disability needs....

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Grant for veterans with certain service-connected disabilities to adapt a family member's home in which they will reside...

Veterans
Grant up to $15,000

Frankfort ADA Home Modifications Program

Grant for income-eligible Frankfort residents with disabilities to make necessary home modifications for accessibility, ...

Seniors & Disability
Grant up to $10,000

Frankfort Senior Home Repair Grant

Grant for Frankfort homeowners age 62 and older with income at or below 80% AMI to make critical home repairs addressing...

Seniors & Disability
Up to $500 rebate

Frankfort Plant Board HVAC Rebate

Rebate for Frankfort Plant Board electric customers who install qualifying high-efficiency HVAC systems or heat pumps. R...

Energy
Up to $800 rebate

Frankfort Plant Board Heat Pump Rebate

Enhanced rebate for Frankfort Plant Board customers installing qualifying high-efficiency air-source or geothermal heat ...

Energy
Up to $300 rebate

Frankfort Plant Board Water Heater Rebate

Rebate for Frankfort Plant Board customers who install qualifying high-efficiency electric water heaters or heat pump wa...

Energy
Up to $400 rebate

Frankfort Plant Board Insulation Rebate

Rebate for Frankfort Plant Board customers who add insulation to attics, walls, or crawl spaces to meet recommended R-va...

Weatherization
Low-interest loan up to $10,000

Frankfort Sewer Lateral Repair Program

Low-interest loan program for Frankfort property owners to repair or replace private sewer lateral lines connecting home...

Home Repair
20% federal tax credit on mortgage interest

Kentucky Mortgage Credit Certificate (MCC)

Mortgage Credit Certificate converts a portion of your mortgage interest into a dollar-for-dollar federal tax credit. Fi...

Homebuyer
Up to $6,000 toward down payment

Kentucky Housing Corporation Down Payment Assistance

Down payment and closing cost assistance for first-time homebuyers in Kentucky purchasing a home in Frankfort. Must be u...

Homebuyer
Free homebuyer education course

Kentucky Housing Corporation Homebuyer Education

Free homebuyer education course required for KHC mortgage programs and recommended for all first-time buyers in Frankfor...

Homebuyer Ed
Property tax reduction varies by assessment

Kentucky Homestead Exemption

Kentucky homeowners age 65 or older or totally disabled can receive a homestead exemption reducing property taxes. Exemp...

Property Tax Relief
30% state tax credit on qualified expenses

Kentucky Heritage Council Historic Tax Credit

State tax credit for rehabilitation of historic homes in Frankfort listed on the National Register or contributing to a ...

Historic
Varies by disaster declaration and damage

Kentucky Disaster Recovery Housing Assistance

Housing assistance for Frankfort residents affected by federally-declared disasters. Covers home repairs, replacement, r...

Disaster
Up to $600 toward energy bills

Kentucky Low Income Home Energy Assistance (LIHEAP)

Federal program providing assistance with heating and cooling costs for low-income Frankfort households. Also offers eme...

Energy
Up to $2,500 for emergency furnace replacement

Kentucky Emergency Furnace Replacement

Emergency furnace repair or replacement assistance for low-income Frankfort households facing heating crisis during wint...

Emergency

💡 Stack programs to maximize your savings

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.

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