Find grants, rebates, forgivable loans, and free programs for Jacksonville, FL, filtered to your situation.
As of June 2026, 49 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Jacksonville, FL, with individual awards up to $126,526. 16 programs target seniors, 7 serve veterans, and 23 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 37 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | Refunded to you after purchase | Energy-efficiency upgrades |
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The Emergency Repair Program resolves immediate threats to life and safety in owner-occupied homes whose residents earn ...
The Limited Repair Program provides comprehensive rehabilitation to bring owner-occupied homes into code compliance for ...
The Utility Tap-In Program connects owner-occupied residences to city sewer and water lines, repairs or replaces failed ...
The Jacksonville Assistance and Relief Program (JAR) waives fines and provides no-cost abatement services for property c...
The City of Jacksonville receives annual Community Development Block Grant (CDBG) funding from HUD to support low- and m...
Florida's State Housing Initiatives Partnership (SHIP) program distributes funds to local governments for homeowner repa...
The My Safe Florida Home program provides free wind mitigation inspections and matching grants up to $10,000 for approve...
PACE (Property Assessed Clean Energy) financing provides 100% upfront financing for energy efficiency, renewable energy,...
JEA customers can receive instant discounts or mail-in rebates on ENERGY STAR certified appliances, HVAC upgrades, water...
JEA provides a $4,000 rebate to residential customers who install a qualifying battery storage system paired with an app...
JEA crews visit low-income neighborhoods (where 50%+ of residents are at or below 150% of the Federal Poverty Level) to ...
LIHEAP provides financial assistance to Duval County households for electric utility bills and energy emergencies. The N...
The Weatherization Assistance Program provides free energy-saving improvements to low-income households to permanently r...
The SAH Grant helps veterans with specific service-connected disabilities build, buy, or modify a home for independent l...
The SHA Grant helps veterans with specific service-connected disabilities adapt their current home or a family member's ...
The HISA Grant provides funding for medically necessary home modifications for veterans receiving VA care, regardless of...
USDA Section 504 provides very-low-income homeowners with loans of up to $40,000 at 1% interest for 20 years to repair o...
FHA Title I loans are federally insured home improvement loans available to homeowners who may not have sufficient equit...
HMGP provides funding after a presidentially declared disaster to reduce future disaster losses through home elevation, ...
Florida's standard homestead exemption reduces the assessed value of a primary residence by $50,000 for property tax pur...
Florida homeowners aged 65 or older whose household adjusted gross income does not exceed $38,686 (2026 limit) may quali...
Florida offers tiered property tax relief for disabled veterans. Veterans with a VA-certified service-connected disabili...
Homeowners who are paraplegic, hemiplegic, or totally and permanently disabled and must use a wheelchair for mobility, o...
Habitat for Humanity of Jacksonville (HabiJax) performs home repairs, weatherization, and rehabilitation for low-income ...
Rebuilding Together Greater Florida expanded to Jacksonville in early 2026, funded in part by The Home Depot Foundation ...
Groundwork Jacksonville's home repair program serves low-to-moderate income homeowners in North Riverside, Mixon Town, a...
ElderSource, the Area Agency on Aging for Northeast Florida, connects seniors and adults with disabilities to minor home...
EHEAP provides emergency energy assistance to low-income households with at least one person age 60 or older who are exp...
The Hart Felt Program provides minor home repairs, wheelchair ramp construction, and emergency financial assistance to s...
EPA and HUD jointly administer lead hazard reduction programs targeting homes built before 1978 where children under 6 r...
The Save Our Homes amendment (SOH) caps annual increases to the assessed value of homestead properties at the lesser of ...
Florida's HOMES (Home Efficiency Rebates) program is funded by the federal Inflation Reduction Act and administered by F...
The federal 25C Energy Efficient Home Improvement Tax Credit provides up to $3,200 per year in non-refundable federal in...
Florida provides two automatic tax benefits for residential solar installations: a full sales tax exemption on solar ene...
When a presidentially declared disaster is declared for Duval County, USDA Rural Development can increase Section 504 gr...
The TRA Grant allows veterans who qualify for SAH or SHA grants to modify a family member's home in which they are tempo...
After major disaster events, HUD awards CDBG-DR funds to Florida and the City of Jacksonville to repair disaster-damaged...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Habitat for Humanity's Aging in Place program helps adults typically age 60+ with low incomes remain safely in their own...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Jacksonville homebuyers can access down payment assistance through Florida Housing Finance Corporation's statewide progr...
Free tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) program. Certified volunteers prepa...
CareerSource Northeast Florida serves Duval County and the Jacksonville region with WIOA-funded Individual Training Acco...
Florida's School Readiness (SR) program provides child care subsidies to low-income working families through the state's...
The Early Learning Coalition of Duval administers Head Start and Early Head Start programs in Jacksonville. These federa...
The SBA North Florida District Office in Jacksonville provides small businesses with access to SBA Microloans (up to $50...
The City of Jacksonville's Office of Economic Development supports small businesses through CDBG-funded micro-enterprise...
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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49 programs are currently listed for Jacksonville, including City of Jacksonville Emergency Repair Program (ERP), City of Jacksonville Limited Repair Program (LRP), City of Jacksonville Utility Tap-In Program (UTIP).
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Jacksonville, 37 programs do not require repayment, 1 is forgivable loan, 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.