Find grants, rebates, forgivable loans, and free programs for Lake City, FL, filtered to your situation.
As of June 2026, 18 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Lake City, FL, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 8 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 0 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 1 | 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...
Federally funded weatherization program providing free energy efficiency improvements to low-income households in Columb...
USDA program providing low-interest loans up to $40,000 and grants up to $10,000 (for seniors 62+) to very low-income ru...
State program providing funding for rehabilitation of owner-occupied homes and small rental properties (1-4 units) to ma...
Grants for veterans with certain service-connected disabilities to purchase or modify a home to accommodate their disabi...
Grant for veterans with certain service-connected disabilities to adapt a home to meet mobility needs. Covers modificati...
Rebates for FPL residential customers who upgrade to high-efficiency air conditioning systems (SEER2 16+ or heat pumps)....
Free online and in-home energy assessments for FPL customers. Identifies opportunities to save energy and money, includi...
Net metering program allowing FPL customers with solar panels to receive bill credits for excess electricity sent back t...
Statewide program providing lead screening, case management, and environmental investigations for children with elevated...
State Housing Initiatives Partnership (SHIP) funds administered by Columbia County to provide emergency home repairs for...
Provides grants to modify homes for accessibility for residents with disabilities. Covers wheelchair ramps, bathroom mod...
Federal disaster recovery grants administered by Florida DEO to repair homes damaged by presidentially declared disaster...
Treasury-funded program that provided mortgage payment assistance and principal reduction to homeowners facing hardship ...
Federal HOME funds to assist property owners in rehabilitating rental units to provide affordable housing. Units must be...
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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18 programs are currently listed for Lake City, 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 Lake City, 16 programs do not require repayment, 0 are forgivable loans, and 1 is rebate.
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.