Find grants, rebates, forgivable loans, and free programs for Lexington, KY, filtered to your situation.
As of June 2026, 37 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Lexington, KY, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 15 require no income limit.
Data last verified 2026-05-24. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 26 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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 forgivable loans for major home repairs to low-income homeowners in Lexington-Fayette County. Loan is forgiven ...
CDBG-funded program providing deferred, forgivable loans for substantial home repairs to low-income homeowners in Lexing...
Provides emergency grants for urgent home repairs that pose immediate health or safety threats to very low-income homeow...
Federal WAP program administered by Kentucky providing free energy efficiency improvements to income-qualified household...
HUD-funded program to remove lead-based paint hazards in pre-1978 homes with children under age 6 in Lexington-Fayette C...
Provides grants for ADA-compliant home modifications for low-income homeowners with disabilities in Lexington-Fayette Co...
Grant program specifically for senior homeowners age 62+ with low income in Lexington-Fayette County. Addresses critical...
Assists low- to moderate-income homeowners with the cost of repairing or replacing private sewer laterals from the home ...
Rebates for KU residential customers who install high-efficiency central air conditioning systems (15+ SEER). Must use p...
Rebates for KU residential customers who install high-efficiency electric heat pump systems. Higher rebates available fo...
Rebates for KU customers who install high-efficiency electric water heaters, including heat pump water heaters with ENER...
Rebates for KU customers who add insulation to attics, walls, or crawl spaces. Must meet minimum R-value requirements an...
Rebates for KU customers who install qualifying ENERGY STAR smart thermostats that optimize heating and cooling schedule...
Incentive for KU customers in Lexington who install qualifying residential solar photovoltaic systems. Rebate based on s...
Low-interest loans and grants for very low-income homeowners in eligible rural areas near Lexington to repair or improve...
Grant for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to meet their ac...
Grant for eligible veterans with certain service-connected disabilities to adapt a home for independent living. Covers m...
Federal HOME funds for comprehensive rehabilitation of owner-occupied homes for low-income households in Lexington-Fayet...
Property tax credit equal to 25% of qualified rehabilitation costs for historic properties in designated local historic ...
Kentucky state income tax credit for 30% of qualified rehabilitation expenses for owner-occupied historic homes listed o...
Down payment assistance for first-time homebuyers purchasing in Lexington-Fayette County. Available in combination with ...
Home Education Loan Program (HELP) provides down payment assistance and favorable mortgage terms for teachers, first res...
Emergency grant program specifically for senior homeowners age 60+ needing critical roof repairs or replacement in Lexin...
Provides grants for low-income homeowners to repair or replace failing septic systems in rural Fayette County areas not ...
Property Assessed Clean Energy financing allows property owners to finance energy efficiency and renewable energy improv...
Grant program for low-income homeowners facing critical foundation problems that threaten structural integrity of their ...
Professional home energy audit for KU customers in Lexington identifying opportunities to reduce energy consumption. Inc...
Grant program for low-income homeowners to replace deteriorated, non-functional windows in Lexington-Fayette County. Imp...
Assists low-income homeowners with correcting fire safety violations and bringing homes into compliance with city codes ...
Emergency grant for very low-income homeowners facing critical plumbing failures including burst pipes, sewer backups, o...
Community solar co-op that organizes group purchasing campaigns for residential solar installations in Lexington. Provid...
Grant assistance for low-income homeowners needing professional asbestos abatement in older homes in Lexington-Fayette C...
Assists eligible Kentucky households with heating costs and provides crisis intervention for energy emergencies. Applica...
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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37 programs are currently listed for Lexington, 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 Lexington, 26 programs do not require repayment, 3 are forgivable loans, and 6 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.