Home Improvement Grants in Kettering.

Find grants, rebates, forgivable loans, and free programs for Kettering, OH, filtered to your situation.

As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Kettering, OH, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 15 require no income limit.

Not sure which program fits? Email us what you need. It is free, and a real person answers.

1
Filter
Tell us about you
2
Browse
See matching programs
3
Get help
Or filter by your situation
Showing 25 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $10,000 grant

Kettering Emergency Home Repair Grant

Provides emergency home repair grants for owner-occupied households in Kettering with income at or below 50% AMI. Covers...

Emergency
Forgivable loan up to $25,000

Kettering Owner-Occupied Rehabilitation Program

Provides major home rehabilitation for owner-occupied households in Kettering with income at or below 80% AMI. Loan is f...

Home Repair
Up to $15,000 grant

Kettering Accessibility Modification Grant

Provides accessibility modifications for owner-occupied homes in Kettering where a household member has a documented dis...

Seniors & Disability
Free lead hazard removal

Montgomery County Lead Hazard Control Program

HUD-funded program to reduce lead-based paint hazards in Montgomery County homes built before 1978 with children under 6...

Home Repair
Up to $9,000 in weatherization services

Ohio Home Weatherization Assistance Program (WAP)

Federally funded program providing comprehensive home weatherization services to low-income households at or below 200% ...

Weatherization
Up to $50,000 low-interest loan

Ohio Housing Finance Agency Single-Family Rehab Loan

Low-interest home improvement loan available through OHFA-approved lenders for homeowners with income up to 115% AMI. Ca...

Home Repair
Up to $900 rebate

AES Ohio HVAC Efficiency Rebate

Rebates for AES Ohio residential customers who install qualifying high-efficiency air conditioners, heat pumps, or furna...

Energy
Up to $500 rebate

AES Ohio Heat Pump Water Heater Rebate

Rebate for AES Ohio residential customers who install ENERGY STAR certified heat pump water heaters. Rebate of $500 avai...

Energy
Up to $450 rebate

AES Ohio Home Insulation Rebate

Rebates for AES Ohio customers who add insulation and air sealing to their homes. Rebates of up to $450 available based ...

Weatherization
Up to $100 rebate

AES Ohio Smart Thermostat Rebate

Rebate for AES Ohio customers who purchase and install qualifying ENERGY STAR certified smart thermostats. Rebate of $10...

Energy
Varies by system size and production

Ohio Solar Renewable Energy Credits (SRECs)

Ohio homeowners who install solar PV systems can earn Solar Renewable Energy Credits (SRECs) for electricity generated. ...

Solar/Renewable
30% of system cost

Federal Residential Solar Tax Credit (ITC)

Federal tax credit equal to 30% of the cost of installing a solar energy system, including equipment, labor, and permitt...

Solar/Renewable
Up to $3,200 annual tax credit

Federal Energy Efficient Home Improvement Credit

Federal tax credit covering 30% of costs for qualifying energy-efficient home improvements including windows ($600 max),...

Energy
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Loan & Grant

Low-interest loans (1% fixed) up to $27,500 and grants up to $10,000 for very low-income homeowners in rural areas to re...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Grant for veterans with certain service-connected disabilities to adapt or purchase a specially adapted home. Covers cos...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Grant for veterans with certain service-connected disabilities to adapt an existing home for accessibility. Covers modif...

Veterans
Up to $5,000 grant

Montgomery County Senior Home Repair Program

Emergency home repair grants for Montgomery County residents age 60+ with income at or below 80% AMI. Covers critical he...

Seniors & Disability
Reduces taxable value up to $27,200

Ohio Homestead Exemption

Property tax reduction for Ohio homeowners age 65+ or permanently and totally disabled. Exempts up to $27,200 of home va...

Property Tax Relief
2.5% reduction in property tax

Ohio Owner Occupancy Tax Credit

Property tax credit for owner-occupied homes in Ohio. Reduces property tax bill by 2.5% for primary residences. Availabl...

Property Tax Relief
Up to $5,000 low-interest loan

Kettering Sanitary Sewer Lateral Assistance

Low-interest loan program to help Kettering homeowners repair or replace failing sanitary sewer laterals from the home t...

Home Repair
25% state + 20% federal tax credit

Ohio Historic Preservation Tax Credit

Combined state and federal tax credits totaling up to 45% of qualified rehabilitation expenses for owner-occupied histor...

Historic

💡 Stack programs to maximize your savings

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.

Stack your funding

Pick a project to see how much funding could stack on it from multiple programs in this city.

Refine for your household (optional)

Tell us about your household to see the total you could actually stack. We do not save or share this.

Grant-Approved Contractors in Kettering

These contractors specialize in grant-funded projects and understand the documentation requirements.

No contractors listed yet, be the first in this market.

Get matched with a grant-savvy contractor

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.

Get notified when programs change

We'll email you when new programs open, deadlines approach, or funding runs low.