Find grants, rebates, forgivable loans, and free programs for Independence, MO, filtered to your situation.
As of June 2026, 30 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Independence, MO, with individual awards up to $126,526. 9 programs target seniors, 2 serve veterans, and 14 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 8 | 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 home repairs and rehabilitation for owner-occupied homes in Independence. Forgivable loan for households ...
Grant for emergency home repairs that pose immediate threats to health and safety. Available to very low-income owner-oc...
Provides accessibility modifications for Independence homeowners with disabilities or seniors aging in place. Includes r...
Provides free lead-based paint hazard reduction for homes built before 1978 in Independence. Priority for households wit...
Provides cost-sharing rebate for repair or replacement of private sewer lateral lines for Independence homeowners. City ...
Federally funded weatherization program administered by Community Action agencies serving Jackson County. Provides free ...
State program providing free lead hazard investigation and remediation for homes where a child under age 6 has an elevat...
State-funded home repair grants administered through local agencies for low-income homeowners in Missouri. Priority for ...
Professional home energy audit with instant rebates on efficiency measures installed during the visit. Includes LED bulb...
Rebates for high-efficiency electric heating and cooling equipment including heat pumps, central air conditioners, and s...
Free energy efficiency upgrades for income-qualified Evergy customers. Includes insulation, air sealing, LED lighting, r...
Rebate for purchase and installation of ENERGY STAR certified heat pump water heaters. Available to all Evergy residenti...
Rebates for high-efficiency natural gas furnaces (95% AFUE or higher) installed by Spire customers. Tiered rebates based...
Rebate for purchase and installation of qualifying high-efficiency natural gas tankless water heaters. Available to all ...
Rebate for purchase and installation of qualifying smart thermostats for natural gas heating systems. Available to all S...
Low-interest loans and grants for very low-income homeowners in eligible rural areas near Independence to repair, improv...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet adaptive needs. A...
Grant for veterans with certain service-connected disabilities to adapt a home to meet mobility needs. Covers modificati...
Emergency and minor home repair grants for senior homeowners (60+) in Jackson County. Prioritizes repairs that allow sen...
Federal HOME funds administered by Independence for home rehabilitation and repair. Forgivable loan for low-income homeo...
Community solar subscription program allowing Evergy customers to support solar energy without rooftop installation. Rec...
Federal tax credit covering 30% of the cost of residential solar panel and battery storage system installation. Availabl...
Missouri law exempts the added value of solar energy systems from property tax assessment. Solar installations do not in...
Federally funded heating assistance program (LIHEAP) administered by Community Action agencies. Provides one-time heatin...
Emergency assistance for households experiencing heating or cooling crisis. Can cover furnace repair, utility reconnecti...
Comprehensive rehabilitation assistance for owner-occupied homes in designated revitalization areas of Independence. For...
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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30 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, 18 programs do not require repayment, 3 are forgivable loans, and 8 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.