Find grants, rebates, forgivable loans, and free programs for Independence, KY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Independence, KY, with individual awards up to $126,526. 9 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 | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | Refunded to you after purchase | Energy-efficiency upgrades |
Not sure which program fits? Email us what you need. It is free, and a real person answers.
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...
Free weatherization services for income-eligible households in Kenton County. Includes insulation, air sealing, heating ...
Provides forgivable loans for home repairs to income-eligible homeowners in Kentucky. Loan is forgiven over a 15-year pe...
CDBG-funded program providing comprehensive home rehabilitation for income-eligible owner-occupants in Kenton County. Lo...
Grant program for immediate health and safety repairs in owner-occupied homes in Kenton County. Priority for seniors and...
Grant program to make accessibility modifications for residents with disabilities in Kenton County. Includes ramps, wide...
HUD-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under age 6 reside or...
Duke Energy Kentucky offers rebates for qualifying energy-efficient home improvements including heat pumps, insulation, ...
$300 rebate for Duke Energy Kentucky customers who install ENERGY STAR certified heat pump water heaters. Rebate availab...
$75 instant rebate on qualifying smart thermostats plus up to $40 annual bill credit for Duke Energy customers who parti...
USDA program offering low-interest loans up to $27,500 and grants up to $10,000 for very low-income homeowners age 62+ t...
Grant for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. Available...
Grant for veterans with certain service-connected disabilities to adapt a home for accessibility. Available to veterans ...
Grant assistance for income-eligible homeowners to repair or replace failing sewer laterals in the SD1 service area. Pri...
Federal HOME funds administered locally to rehabilitate owner-occupied homes for low-income families. Forgivable loan st...
Grant program for seniors age 60+ in Kenton County to address minor home repairs and safety improvements. Helps seniors ...
Property tax exemption for Kentucky homeowners age 65+, totally disabled persons, or certain veterans. Exempts a portion...
Rebate for Duke Energy Kentucky customers who install qualifying residential solar photovoltaic systems. Incentive based...
Federal tax credit equal to 30% of the cost of installing a residential solar energy system, including equipment and ins...
Federal assistance to help low-income households pay heating and cooling bills. Administered through Northern Kentucky C...
State-administered disaster recovery assistance for homeowners affected by federally-declared disasters. Provides funds ...
Free weatherization services for income-qualified Duke Energy customers including insulation, air sealing, water heater ...
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.
These contractors specialize in grant-funded projects and understand the documentation requirements.
No contractors listed yet, be the first in this market.
Tell us about your project. We'll connect you with contractors in your city who've completed grant-funded work and know the program documentation.
We'll email you when new programs open, deadlines approach, or funding runs low.
25 programs are currently listed for Independence, 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 Independence, 17 programs do not require repayment, 3 are forgivable loans, and 4 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.