Find grants, rebates, forgivable loans, and free programs for Melbourne, FL, filtered to your situation.
As of June 2026, 28 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Melbourne, FL, with individual awards up to $300,000. 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 | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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...
Federal WAP program administered by the state provides free weatherization improvements including insulation, air sealin...
State Housing Initiatives Partnership (SHIP) funds administered locally for owner-occupied rehabilitation. Loan is forgi...
CDBG-funded emergency repair grants for very low-income homeowners in Melbourne city limits. Addresses immediate health ...
Subscribe to community solar without installing panels on your home. FPL customers in Melbourne can purchase solar subsc...
Free in-home energy assessment by FPL energy specialists. Receive personalized energy-saving recommendations and a free ...
Rebate for replacing old central AC or heat pump with high-efficiency ENERGY STAR models (16 SEER2 or higher). Rebate am...
Rebate for installing ENERGY STAR certified heat pump water heaters. Heat pump water heaters use up to 60% less energy t...
Grants up to $7,500 for very low-income seniors (62+) to remove health and safety hazards. Loans up to $20,000 at 1% int...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to meet adaptive needs. ...
Grants for veterans with certain service-connected disabilities to adapt a family member's home in which they live. Elig...
Grants for low-income seniors (60+) and disabled homeowners in Brevard County to make ADA accessibility modifications. C...
Grants to repair or replace failing septic systems for low-income homeowners in Brevard County. Priority given to system...
Federal HOME funds for major rehabilitation of owner-occupied homes in Melbourne city limits. Forgivable loan for househ...
Disaster recovery grants for homeowners impacted by recent hurricanes. Covers roof repair, structural damage, flood reme...
HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978 in Brevard County. Prio...
Florida provides property tax exemption for 100% of added home value from residential solar installations, plus sales ta...
Receive instant rebate on smart thermostat purchase plus annual bill credits for allowing FPL to make minor temperature ...
Federal CDBG-DR disaster recovery funds for homeowners with unmet hurricane damage needs. Previous cycles addressed Hurr...
Rebate for planting qualifying shade trees on residential properties in Melbourne. Trees reduce cooling costs and improv...
Federal tax credit covering 30% of the cost of residential solar panel systems and battery storage installed through 203...
Forgivable loan for first-time homebuyers purchasing in Brevard County. Covers down payment and closing costs. Income li...
State-funded first mortgage program with below-market interest rates plus down payment/closing cost assistance for first...
Property Assessed Clean Energy (PACE) financing for energy-efficient and renewable energy improvements. Repaid through p...
Rebates for small businesses upgrading to energy-efficient LED lighting. Incentives cover interior and exterior lighting...
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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28 programs are currently listed for Melbourne, 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 Melbourne, 19 programs do not require repayment, 3 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.