Find grants, rebates, forgivable loans, and free programs for Louisville, KY, filtered to your situation.
As of June 2026, 47 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Louisville, KY, with individual awards up to $126,526. 15 programs target seniors, 6 serve veterans, and 23 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 36 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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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CDBG-funded program helping hundreds of income-qualifying Louisville homeowners make critical repairs to owner-occupied ...
HUD-funded program to eliminate lead hazards in owner-occupied and rental units, especially homes with children under si...
Supports homeowners in Russell, Phoenix Hill, Park Duvall, and Smoketown neighborhoods experiencing financial strain fro...
Acquires, manages, and sells distressed properties and vacant parcels to responsible developers. Programs include Last L...
My New Side Yard program sells vacant lots up to 4,000 sq ft for $1 to adjacent homeowners. Lot On My Block program offe...
REVERT (Restoring Each Viable Economically Redlined Territory) provides up to $50,000 in forgivable funds for families t...
LAHTF provides grants and loans for affordable housing activities including emergency repair, rehabilitation, and forecl...
Louisville Metro Government program installing weatherization materials for low-income Louisville Metro residents. Works...
Provides critical home repairs for low-income homeowners at or below 60% AMI in Jefferson County and surrounding areas. ...
Repair Affair leverages volunteer service to provide home repair services to low-income elderly and disabled homeowners....
The Center for Housing & Financial Empowerment offers HUD-certified housing counseling including homebuyer education, bu...
Since 1992, River City Housing has rehabbed over 230 houses throughout Louisville for low-income first-time homebuyers. ...
Free weatherization and energy conservation services for low-income households, seniors, disabled, and veterans in Jeffe...
Public-private partnership dedicated to greening and beautifying Louisville neighborhoods. Organizes volunteer cleanups,...
Cash rebates for LG&E residential customers who purchase and install qualified ENERGY STAR-certified equipment including...
WeCare (Weatherization, Conservation, Advice, and Recycling Energy) provides free weatherization services for income-eli...
Free online home energy assessment for LG&E Kentucky residential customers. Complete the audit to uncover energy-saving ...
Uses federal HOME funds for homeowner rehabilitation to bring a primary residence up to current building code, or demoli...
Second mortgage providing up to $12,500 toward down payment and closing costs for Kentucky homebuyers. Available in $100...
Grants up to $20,000 (or $25,000 for military) with no monthly payment for Kentucky homebuyers. The 2025 program closed ...
DOE-funded program improving energy efficiency and safety in low-income homes. Income eligibility at 200% of Federal Pov...
Homeowners age 65+ or classified as totally disabled receive a $49,100 reduction in assessed home value for 2025-2026, l...
Launched in early 2026, this program offers grants up to $10,000 for qualified Kentucky homeowners to upgrade roofs to w...
Loans up to $40,000 at 1% interest over 20 years for very-low-income homeowners to repair and modernize homes. Grants up...
Wraps home purchase or refinance with renovation costs into a single FHA-insured mortgage. Limited 203(k) covers up to $...
FHA-insured fixed-rate loan up to $25,000 for single-family home improvements. Loans under $7,500 are unsecured. No equi...
Grants for veterans and service members with qualifying service-connected disabilities to buy, build, or modify a home f...
Grants for veterans with specific service-connected disabilities (such as blindness or loss of hands) to adapt an existi...
Grants for medically necessary home improvements for veterans. Up to $6,800 lifetime for service-connected conditions or...
Federal program providing heating assistance ($134-$250 per season), cooling assistance ($15-$250), and crisis benefits ...
30% tax credit for solar panels, wind turbines, geothermal heat pumps, and battery storage installed through December 31...
30% tax credit up to $3,200/year for energy-efficient home improvements including heat pumps ($2,000 sub-limit), insulat...
Free IRS-certified tax preparation at 16 Louisville sites for individuals and families earning up to $70,000. Helps clai...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Kentucky Housing Corporation's Affordable Housing Trust Fund Home Repair Program awards grants of up to $25,000 to local...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
KentuckianaWorks serves the Louisville metro area as the local workforce development board, administering WIOA Title I I...
Kentucky's Child Care Assistance Program (CCAP) helps low-income working families afford quality child care. Eligible fa...
Louisville Metro Community Action Partnership operates Head Start and Early Head Start programs serving low-income famil...
The SBA Kentucky District Office in Louisville serves small businesses throughout Kentucky. Programs include SBA Microlo...
Louisville Metro Government's Office for Economic Development administers revolving loan funds for small businesses. The...
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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47 programs are currently listed for Louisville, including Louisville Metro CDBG Home Repair, Lead-Safe Louisville, LMHA Home Preservation Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Louisville, 36 programs do not require repayment, 3 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.