Find grants, rebates, forgivable loans, and free programs for Miami Beach, FL, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Miami Beach, FL, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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...
Federally funded program providing free weatherization services to income-eligible households in Miami-Dade County. Serv...
CDBG-funded program providing forgivable loans for major home repairs to owner-occupied properties in Miami Beach. Loan ...
Provides emergency grants for urgent health and safety repairs to owner-occupied homes in Miami Beach. Priority given to...
Provides grants and forgivable loans for ADA-compliant home modifications to improve accessibility for residents with di...
Low-interest loan program to replace aging or failing sewer laterals on private property connecting to city sewer mains....
Community solar program allowing FPL customers to subscribe to solar energy without installing panels on their property....
Free virtual or in-person home energy assessment from FPL. Identifies ways to reduce energy consumption and lower utilit...
Rebates for installing high-efficiency air conditioning systems in Miami Beach homes. Rebate amount varies based on SEER...
Rebate for replacing standard electric water heater with energy-efficient heat pump water heater. Heat pump models use u...
HUD-funded program to reduce lead-based paint hazards in pre-1978 homes with children under 6 or pregnant women. Service...
Matching grant program to strengthen homes against hurricane damage. Covers reinforced garage doors, impact-resistant wi...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to meet accessibility needs. ...
Grant for veterans with certain service-connected disabilities (such as blindness or loss of use of hands) to make acces...
Very low-interest loan for very-low-income homeowners to repair, improve, or modernize their homes or remove health and ...
Federally-funded HOME program providing forgivable loans for major home rehabilitation to eligible owner-occupied househ...
CDBG-funded grant program specifically for senior homeowners (62+) in Miami Beach to address urgent home repairs and acc...
Federal COVID-relief program that provided mortgage payment assistance, property tax, insurance, and utility payment hel...
Rebate for purchasing and installing qualifying smart thermostats in FPL service territory. Smart thermostats can reduce...
Cost-share program to help Miami Beach homeowners implement flood mitigation measures including backflow preventers, sum...
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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23 programs are currently listed for Miami Beach, 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 Miami Beach, 15 programs do not require repayment, 3 are forgivable loans, and 3 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.