Find grants, rebates, forgivable loans, and free programs for New Rochelle, NY, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in New Rochelle, NY, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 24 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Forgivable loan for major home repairs to owner-occupied single-family homes in New Rochelle. Income at or below 80% AMI...
Emergency repair grant for owner-occupied homes with urgent health and safety hazards. Income at or below 50% AMI requir...
Grants for accessibility modifications to owner-occupied homes for residents with disabilities. Income at or below 80% A...
Home repair grant for New Rochelle homeowners aged 62 and older with income at or below 80% AMI. Covers essential repair...
Free lead hazard assessment and abatement for Westchester County homes built before 1978 with children under age 6. Prio...
Free weatherization services to reduce energy costs for income-eligible New York State residents. Includes insulation, a...
Free comprehensive energy efficiency upgrades for income-eligible New York households. Includes insulation, air sealing,...
Rebates for energy-efficient home improvements including insulation, air sealing, heat pumps, and smart thermostats. Ava...
Rebates for installing energy-efficient air source or ground source heat pumps. Available to Con Edison electric custome...
Rebate for purchasing and installing a qualified Wi-Fi smart thermostat. Available to Con Edison gas and electric custom...
Federally-funded HOME program providing forgivable loans for comprehensive home rehabilitation. Available through Westch...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas to repair, improve, or modernize ho...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their dis...
Grants for veterans with certain service-connected disabilities to modify a home to accommodate their disability. Includ...
Incentive for installing solar photovoltaic systems on residential properties in New York State. Stackable with 30% fede...
Incentives for residential solar installations in Con Edison territory. Provides ongoing credits based on solar producti...
State income tax credit equal to 20% of qualified rehabilitation expenses for owner-occupied historic homes listed on St...
Assistance with home heating costs for low-income New York State households. Regular benefit plus emergency benefit avai...
Emergency heating assistance for households facing heating crisis such as no heat, broken heating equipment, or utility ...
Assistance for repairing or replacing private sewer lateral connections in Westchester County. Helps prevent sewage back...
State-funded lead hazard control for homes built before 1978 with children under age 6 or pregnant women. Covers testing...
Free weatherization services for income-eligible Con Edison customers. Includes energy assessment, insulation, air seali...
Low-interest loans for repair and rehabilitation of multi-family buildings and co-ops. Helps preserve affordable housing...
Property tax exemption for homeowners 65 and older with qualifying income. Enhanced STAR provides greater savings than B...
Enhanced solar incentive for low-to-moderate income homeowners. Provides additional funding on top of standard NY-Sun in...
Incentives for replacing fossil fuel heating systems with cold-climate air source heat pumps or ground source heat pumps...
Emergency grant for wheelchair ramp installation for disabled or senior residents returning home from hospital or requir...
New York State income tax credit equal to 50% of qualified accessibility modification expenses, up to $2,500 per year. A...
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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32 programs are currently listed for New Rochelle, 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 New Rochelle, 24 programs do not require repayment, 2 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.