Find grants, rebates, forgivable loans, and free programs for Graham, NC, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Graham, NC, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 8 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 14 | 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...
Federally funded program providing comprehensive weatherization services to reduce energy costs for income-eligible hous...
State-funded grant program providing critical home repairs for low-income homeowners age 60+ or with disabilities. Cover...
CDBG-funded forgivable loan program for major home repairs to owner-occupied homes in unincorporated Alamance County and...
CDBG grant program providing emergency repairs for health and safety hazards in owner-occupied homes. Covers urgent issu...
Grant program for accessibility modifications to owner-occupied homes for residents with disabilities. Covers ramps, gra...
State-funded program providing free lead hazard assessments and remediation for homes built before 1978 where a child un...
Duke Energy rebate for qualifying high-efficiency electric heat pump installations. Rebate amount varies by system effic...
Comprehensive home energy efficiency program offering rebates for insulation, air sealing, duct sealing, and water heate...
Duke Energy rebate for residential solar photovoltaic system installations. Rebate calculated at $0.60 per watt up to sy...
North Carolina state tax credit equal to 35% of solar system installation costs, with maximum credit of $10,800 for resi...
USDA low-interest loans up to $40,000 for very low-income homeowners in eligible rural areas to repair, improve, or mode...
USDA grant up to $10,000 for very low-income homeowners age 62 or older in eligible rural areas to remove health and saf...
VA grant for eligible veterans with certain service-connected disabilities to adapt or purchase a home to meet their nee...
VA grant for eligible veterans with certain service-connected disabilities to adapt an existing home or a family member'...
State-sponsored mortgage program offering down payment assistance up to $15,000 in a second loan at 0% interest, forgive...
Federal tax credit equal to 20% of annual mortgage interest paid, providing up to $2,000 in tax savings each year for th...
Low-interest loan program to repair or replace failing septic systems for owner-occupied homes. Loans provided through l...
Assistance program for low-income homeowners to repair or replace water and sewer lateral lines from home to main connec...
NC HOPE (Homeownership and Opportunity for People Everywhere) provides deferred, zero-interest loans for essential home ...
Federal CDBG disaster recovery funds to repair or rebuild homes damaged by federally declared disasters. Assists low- an...
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 Graham, 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 Graham, 14 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.