Find grants, rebates, forgivable loans, and free programs for Miami, FL, filtered to your situation.
As of June 2026, 45 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Miami, FL, with individual awards up to $126,526. 11 programs target seniors, 6 serve veterans, and 22 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 32 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | Refunded to you after purchase | Energy-efficiency upgrades |
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Florida's flagship hurricane wind mitigation grant program, funded at $280 million for FY 2025-26. Homeowners receive a ...
The State Housing Initiatives Partnership (SHIP) program distributes documentary-stamp tax revenue to all 67 Florida cou...
Miami-Dade County uses HUD Community Development Block Grant funds to provide forgivable rehabilitation loans for low-in...
The Miami-Dade Economic Advocacy Trust Rehabilitation Assistance Program provides up to $50,000 in 0% interest forgivabl...
The City of Miami's Homeownership Preservation Program provides up to $70,000 in low- or no-interest loans to income-eli...
The City of Miami funds full rehabilitation or replacement of severely deteriorated owner-occupied homes for low-income ...
Individual Miami-Dade County Commission districts fund Home Beautification grants of $7,500 to $8,000 for exterior paint...
Rebuilding Together Miami-Dade provides critical home repairs and accessibility modifications at no cost to qualifying l...
Habitat for Humanity of Greater Miami's A Brush With Kindness program provides no-cost exterior painting, minor repairs,...
Neighborhood Housing Services of South Florida administers weatherization assistance programs that help low-income homeo...
Miami-Dade County's federally funded Weatherization Assistance Program installs cost-saving energy measures in homes of ...
LIHEAP is a federally funded program administered by Miami-Dade CAHSD that helps low-income households pay cooling and h...
Florida Power & Light offers instant rebates for energy efficiency upgrades to residential customers. Homeowners receive...
FPL's income-qualified Energy Saving Assistance Program offers a free Home Energy Survey and energy-saving measures wort...
Any Florida owner of a site-built single-family detached home or townhouse can apply for a free wind mitigation inspecti...
PACE (Property Assessed Clean Energy) financing allows Miami-Dade homeowners to fund energy efficiency, renewable energy...
USDA Rural Development's Section 504 program provides very-low-income homeowners (≤50% AMI) with loans up to $50,000 to ...
The FHA 203(k) program combines a home purchase or refinance loan with funds for renovation into a single FHA-insured mo...
HUD's Title I program insures private lenders to offer property improvement loans up to $25,000 for single-family homes,...
HUD's Lead Hazard Reduction program funds local governments and nonprofits to identify and remediate lead-based paint ha...
FEMA's HMGP provides federal funding after a Presidentially declared disaster to help communities implement hazard mitig...
The VA offers Specially Adapted Housing (SAH) grants up to $126,526 and Special Home Adaptation (SHA) grants up to $25,3...
The VA Home Improvement and Structural Alterations (HISA) grant provides up to $6,800 for veterans with service-connecte...
Florida's standard Homestead Exemption reduces the taxable assessed value of a primary residence by $50,000 ($25,000 app...
Florida allows county and municipal governments to grant an additional homestead exemption up to $50,000 for homeowners ...
Veterans who are Florida permanent residents, honorably discharged, and certified by the VA as having a total and perman...
Florida veterans with an honorable discharge and a VA-certified service-connected disability rating of 10% or greater ar...
The Florida Hometown Heroes program provides up to $35,000 in down payment and closing cost assistance to first-time hom...
Miami-Dade County receives HOME Investment Partnerships Program funding from HUD each year to support affordable housing...
Miami-Dade County's Naturally Occurring Affordable Housing (NOAH) Rehabilitation Grant Program provides $9 million in ge...
Florida provides a full property tax exemption for homesteaded residences owned by paraplegic, hemiplegic, or other tota...
The IRS Section 25C Energy Efficient Home Improvement Credit allows homeowners to claim up to 30% of the cost of qualify...
The IRS Section 25D Residential Clean Energy Credit provides a 30% federal tax credit on the full cost of installing sol...
Miami-Dade County Property Appraiser's office assists homeowners in applying for all applicable property tax exemptions ...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
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...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
CareerSource South Florida administers WIOA-funded Individual Training Accounts (ITAs) for eligible adults and dislocate...
Florida's School Readiness (SR) program provides child care subsidies to low-income working families through the state's...
Miami-Dade County Community Action and Human Services administers Head Start and Early Head Start programs serving thous...
The SBA South Florida District Office in Miami serves small businesses throughout South Florida. Programs include SBA Mi...
The City of Miami Community & Economic Development Department administers CDBG-funded small business loan programs and m...
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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45 programs are currently listed for Miami, including My Safe Florida Home (MSFH), Miami-Dade County SHIP Home Repair, Miami-Dade County CDBG Housing Rehabilitation.
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, 32 programs do not require repayment, 4 are forgivable loans, and 2 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.