Find grants, rebates, forgivable loans, and free programs for Lorain, OH, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Lorain, OH, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 14 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 | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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 forgivable loans for major home repairs to low-income owner-occupied households in Lorain....
Provides emergency home repair grants for critical health and safety issues in owner-occupied homes. Income at or below ...
Provides grants for accessibility modifications to owner-occupied homes for residents with disabilities. Covers wheelcha...
HUD-funded program to remove lead-based paint hazards in homes built before 1978 with children under age 6. Services inc...
Assists low- and moderate-income homeowners with the cost of repairing or replacing failing private sewer laterals. Prog...
State-funded lead poisoning prevention services including free blood lead testing for children, home lead inspections, a...
State-funded home repair grants for very low-income homeowners to address critical health and safety issues. Administere...
Rebates for FirstEnergy customers in Lorain who install high-efficiency heating and cooling equipment. Includes central ...
Rebates for purchasing ENERGY STAR certified appliances including refrigerators, clothes washers, dishwashers, and dehum...
Free in-home energy assessment for FirstEnergy customers including installation of LED bulbs, low-flow showerheads, and ...
Rebates for Dominion Energy Ohio natural gas customers who install high-efficiency air-source or geothermal heat pumps. ...
Rebates for installing high-efficiency natural gas water heaters including tankless, condensing storage, and ENERGY STAR...
Rebate for purchasing and installing qualifying smart thermostats that control natural gas heating systems. Helps Domini...
Provides loans up to $40,000 and grants up to $10,000 for very low-income homeowners age 62+ in eligible rural areas nea...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their adaptive needs. Avail...
Helps veterans with certain service-connected disabilities adapt a family member's home or their own home for accessibil...
Federally funded HOME program providing forgivable loans for homeowner rehabilitation in Lorain County. Helps low-income...
Federal tax credit covering 30% of solar photovoltaic system costs for Lorain homeowners. Includes solar panels, battery...
Property tax exemption for Ohio homeowners age 65+ or permanently disabled. Exempts up to $27,200 of home market value f...
Provides a 2.5% property tax reduction for owner-occupied homes in Lorain County. Available to all owner-occupants regar...
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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24 programs are currently listed for Lorain, 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 Lorain, 16 programs do not require repayment, 2 are forgivable loans, and 5 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.