Home Improvement Grants in Merritt Island.

Find grants, rebates, forgivable loans, and free programs for Merritt Island, FL, filtered to your situation.

As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Merritt Island, FL, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 12 require no income limit.

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Showing 25 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Forgivable loan up to $35,000

Brevard County Owner-Occupied Rehabilitation Program

Provides forgivable loans for major home repairs to low-income homeowners in unincorporated Brevard County. Loan is forg...

Home Repair
Up to $10,000 grant

Brevard County Emergency Home Repair Grant

Emergency grant for very low-income homeowners in Brevard County facing urgent health and safety threats. Covers immedia...

Emergency
Up to $8,000 in weatherization services

Florida Weatherization Assistance Program

Federally funded weatherization program providing energy efficiency improvements to low-income households in Brevard Cou...

Weatherization
Rebates up to $1,500

FPL Home Energy Survey & Rebates

FPL offers free home energy surveys and rebates for energy efficiency improvements including attic insulation, duct seal...

Energy
Up to $1,650 rebate

FPL Air Conditioning Rebate Program

Cash rebates for purchasing and installing qualifying high-efficiency air conditioning systems. Rebate amounts vary base...

Energy
Up to $250 rebate

FPL Heat Pump Water Heater Rebate

Rebate for purchasing and installing an ENERGY STAR certified heat pump water heater. Heat pump water heaters use up to ...

Energy
Subscription-based solar credits

FPL SolarTogether Program

Community solar program allowing FPL customers to subscribe to solar energy without installing panels on their property....

Solar/Renewable
100% property tax exemption on solar equipment value

Florida Solar Energy System Incentives (Property Tax Exemption)

Florida law exempts residential solar energy systems from property tax assessment. The added value of solar equipment is...

Property Tax Relief
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Program

USDA program providing loans and grants to very low-income homeowners in eligible rural areas to repair or improve their...

Seniors & Disability
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Grant for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disabili...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Grant for veterans with certain service-connected disabilities to make accessibility adaptations to their home. Covers m...

Veterans
Up to $5,000 grant

Brevard County Senior Home Repair Program

Provides minor home repair grants to low- and moderate-income seniors (60+) in Brevard County to address safety and heal...

Seniors & Disability
Free lead hazard removal

Florida Lead-Based Paint Hazard Control Program

HUD-funded program to identify and remediate lead-based paint hazards in pre-1978 homes with children under 6. Services ...

Home Repair
Up to $15,000 grant

Brevard County ADA Accessibility Modification Program

Provides grants to low-income homeowners with disabilities to make accessibility modifications to their homes. Covers wh...

Seniors & Disability
Up to $25,000 grant

Florida Hardest Hit Fund - Hurricane Recovery

Disaster recovery assistance for homeowners impacted by qualifying hurricanes and tropical storms in Florida. Provides g...

Disaster
Up to $7,500 low-interest loan

Brevard County Septic Tank Repair Program

Low-interest loan program to assist homeowners with repair or replacement of failing septic systems. Available to owner-...

Home Repair
Financing up to 20% of property value

Florida PACE (Property Assessed Clean Energy)

Property-assessed financing for energy efficiency, renewable energy, and hurricane protection improvements. Repaid throu...

Solar/Renewable
Service plan starting at $13/month

FPL On Call Program (HVAC Protection Plan)

Service plan covering repairs and replacement of HVAC systems, water heaters, and other home systems. Provides coverage ...

Home Repair
Up to $10,000 matching grant

My Safe Florida Home Program

State program providing free wind inspections and matching grants up to $10,000 for hurricane mitigation improvements. W...

Disaster
Down payment assistance up to $7,500

Brevard County First Time Homebuyer Program

Provides down payment and closing cost assistance to first-time homebuyers in Brevard County. Forgivable loan that requi...

Homebuyer
Up to $25,000 assistance

Florida Homeowner Assistance Fund

Federal pandemic relief program providing assistance with mortgage payments, property taxes, insurance, utilities, and H...

Home Repair

💡 Stack programs to maximize your savings

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.

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