Find grants, rebates, forgivable loans, and free programs for Knoxville, TN, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Knoxville, TN, with individual awards up to $126,526. 9 programs target seniors, 3 serve veterans, and 12 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 23 | 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 |
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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...
CDBG-funded program providing major home repairs for low-income owner-occupants in Knoxville. Forgivable loan after 5 ye...
Provides emergency repairs for owner-occupied homes with immediate health or safety hazards. Income must be at or below ...
HUD-funded program to remove lead-based paint hazards in pre-1978 homes with children under age 6. Services provided at ...
Provides accessibility modifications for owner-occupied homes where a disabled resident lives. Includes ramps, grab bars...
Assists low-income senior homeowners (62+) with critical home repairs to maintain safe, decent housing. Grant does not r...
Federally funded weatherization program administered statewide by Tennessee DHS. Reduces energy costs through insulation...
State-funded emergency home repair program for owner-occupants with critical health and safety issues. Available when fu...
Statewide program providing free lead testing and hazard control for pre-1978 homes with young children. Priority given ...
Rebates for energy-efficient upgrades including heat pumps, HVAC systems, water heaters, and insulation. Available to al...
Rebate for installing qualified heat pump systems in existing homes. Higher rebates for ENERGY STAR and cold-climate hea...
Rebate for replacing existing water heater with an ENERGY STAR heat pump water heater. Available to KUB electric custome...
In-home energy assessment with instant rebates on energy-saving products including LED bulbs, smart thermostats, air sea...
Free comprehensive weatherization services for income-qualified KUB customers. Includes insulation, air sealing, HVAC tu...
TVA program allowing KUB customers to install rooftop solar and sell generation to TVA at a fixed rate for 10 years. Par...
Federal program for very-low-income homeowners in eligible rural areas near Knoxville. Provides loans up to $40,000 (1% ...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their disa...
Grant for veterans with service-connected disabilities (blindness or certain mobility impairments) to adapt their home. ...
Federal HOME funds administered by Knox County for owner-occupied rehabilitation. Forgivable loan after 5 years of compl...
Grant assistance for low-income homeowners to repair or replace private sewer lateral lines from the home to the city ma...
Tennessee property tax relief for low-income seniors (65+), disabled homeowners, and disabled veterans. Reduces property...
Matching grant for preservation of historic homes in designated Knoxville historic districts. Funds exterior restoration...
Federal CDBG-DR funds activated after presidentially declared disasters. Provides home repair grants to uninsured or und...
Utility bill assistance for income-qualified KUB customers facing financial hardship. Helps prevent disconnection and pr...
Free homebuyer education workshops and counseling for first-time buyers. Graduates may qualify for down payment and clos...
Low-interest mortgage with optional down payment assistance for first-time homebuyers in Tennessee. Requires completion ...
Forgivable loan for landlords who rehabilitate rental units and agree to rent to low-income tenants for at least 5 years...
Monthly discount on KUB electric bills for customers age 65 and older. No income requirement. Discount applied automatic...
Assists income-eligible Tennessee households with heating and cooling costs through local service providers. Provides cr...
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.
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32 programs are currently listed for Knoxville, 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 Knoxville, 23 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.