Find grants, rebates, forgivable loans, and free programs for Gallatin, TN, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Gallatin, TN, with individual awards up to $126,526. 5 programs target seniors, 3 serve veterans, and 10 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 | 2 | 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 major rehabilitation assistance for low-income homeowners in Gallatin. Loan is forgiven after 5 years of contin...
Provides emergency and critical home repairs for senior homeowners age 62+ in Gallatin with income at or below 50% AMI. ...
Provides accessibility modifications for homeowners with disabilities in Gallatin. Grant covers wheelchair ramps, bathro...
Assists homeowners with repair or replacement of failing sewer lateral lines from the home to the public main. City cove...
Federally-funded weatherization services for income-eligible Tennessee households administered through Upper Cumberland ...
Below-market interest rate mortgage program for first-time homebuyers in Tennessee. Offers competitive rates and down pa...
Second mortgage assistance for down payment and closing costs, available with THDA first mortgage products. Loan is forg...
HUD-funded program to identify and remediate lead-based paint hazards in pre-1978 homes occupied by or regularly visited...
Provides loans and grants to very-low-income homeowners to repair, improve, or modernize their homes or grants to elderl...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Av...
Helps veterans with certain service-connected disabilities adapt a home to meet their needs. Available for veterans who ...
Rebate for installation of qualifying high-efficiency heat pump systems. Available to residential customers of TVA-serve...
Rebate for installation of ENERGY STAR certified heat pump water heaters. Available to residential customers of TVA-serv...
Comprehensive energy efficiency and health/safety upgrades for income-qualified homeowners served by TVA-partnered utili...
Comprehensive home energy evaluation performed by certified professionals. Identifies energy-saving opportunities and pr...
Federal Investment Tax Credit (ITC) covers 30% of solar installation costs including equipment and labor through 2032. T...
Net metering program allows solar customers to receive credit for excess electricity generated and sent back to the grid...
State-funded property tax relief for totally and permanently disabled homeowners with annual income of $33,900 or less (...
State-funded property tax relief for homeowners with annual income of $39,300 or less (2024 limit). Available regardless...
State disaster recovery assistance activated when federal or state disaster is declared. Provides grants and low-interes...
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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24 programs are currently listed for Gallatin, 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 Gallatin, 16 programs do not require repayment, 2 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.