Find grants, rebates, forgivable loans, and free programs for New York City, NY, filtered to your situation.
As of June 2026, 56 home improvement grant, rebate, and forgivable loan programs are open to homeowners in New York City, NY, with individual awards up to $150,000. 13 programs target seniors, 7 serve veterans, and 26 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 38 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | Refunded to you after purchase | Energy-efficiency upgrades |
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HomeFix 2.0 provides low- or no-interest and potentially forgivable loans for home repairs to eligible owners of 1-4 fam...
HPD performs emergency repairs to address Class C immediately hazardous violations when property owners fail to make tim...
Part of the LeadFreeNYC initiative, this program provides grants averaging $20,000 per apartment for lead hazard reducti...
HPD administers multiple homeowner assistance programs funded in part through federal CDBG allocations. These include ho...
SCHE provides a property tax exemption of up to 50% for senior homeowners age 65 and over with combined annual income of...
NYC Accelerator provides free, personalized one-on-one advisory services to help building owners make energy efficiency ...
Habitat NYC offers housing preservation programs including pro bono construction services such as needs assessments and ...
Rebuilding Together NYC provides no-cost critical home repairs and accessibility modifications to low-income homeowners....
Enterprise Community Partners provides grants, loans, tax credits, and technical assistance for affordable housing prese...
Con Edison offers rebates for heat pumps (up to $10,000), heat pump water heaters ($1,000), weatherization (up to $4,000...
National Grid provides residential gas heating rebates for customers in Brooklyn, Queens, and Staten Island. Eligible up...
The RESTORE program provides grants to senior homeowners age 60+ for emergency repairs and code violations that threaten...
Access to Home provides financial assistance to make homes accessible for low- and moderate-income persons with disabili...
EmPower+ provides no-cost or heavily subsidized home energy upgrades to income-eligible residents below 80% of AMI. Incl...
The Home Electrification Appliance Rebate (HEAR) program, funded through the federal Inflation Reduction Act, provides u...
The federally funded WAP provides no-cost weatherization improvements to income-eligible households. In NYC, services ar...
The School Tax Relief (STAR) program provides a partial exemption from school property taxes for owner-occupied primary ...
Enhanced STAR provides a larger school tax benefit for senior homeowners age 65+ with income of $110,750 or less. The 20...
New York State offers three property tax exemptions for veterans: Alternative Veterans Exemption (wartime service), Cold...
Provides a property tax exemption of up to 50-65% for senior homeowners age 65 and over who meet local income limits. In...
A state income tax credit equal to 20% of qualified rehabilitation expenditures for owner-occupied historic homes, up to...
SONYMA offers the lowest interest rate 30-year fixed mortgage with only 3% down (1% from buyer). DPAL PLUS provides forg...
HEAP helps income-eligible households pay for heating costs. Regular benefits range from $400 to $996 per season. Emerge...
The SAH grant helps veterans with certain severe service-connected disabilities build, buy, or modify a home to meet the...
The SHA grant helps veterans with certain service-connected disabilities adapt an existing home to meet their needs. Max...
HISA provides grants for home modifications related to service-connected or non-service-connected disabilities. Up to $6...
The TRA grant helps veterans who are temporarily living in a family member's home make accessibility modifications. Maxi...
USDA 504 provides loans up to $40,000 at 1% interest and grants up to $10,000 (for homeowners 62+) for home repairs. Pro...
FHA-insured loans up to $25,000 for single-family home improvements through approved lenders. Loans up to $7,500 require...
FHA 203(k) combines home purchase or refinance with renovation costs into a single mortgage. Limited 203(k) covers up to...
The Residential Clean Energy Credit provided a 30% tax credit for solar, geothermal, wind, and battery storage installed...
The Energy Efficient Home Improvement Credit provided up to $3,200 annually for energy upgrades including heat pumps ($2...
The federal Low Income Home Energy Assistance Program is administered in NYS as HEAP. Provides heating season benefits o...
Over 140 VITA/TCE locations across NYC provide free tax preparation. Helps homeowners claim all eligible credits includi...
T-HIP provides funding to help low- and moderate-income homeowners repair or replace their homes in targeted areas. Part...
Comfort Home works alongside EmPower+ to provide weatherization services for moderate-income households (80-120% AMI) wh...
NYFSC administers the NYS Access to Home program in NYC and provides home repair and modification services for seniors a...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
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 NYSERDA Comfort Home Program offers rebates to New York homeowners for insulation and air sealing improvements in on...
NYS Clean Heat provides rebates for the installation of cold-climate air-source heat pumps and ground-source heat pump s...
EmPower+ provides no-cost home energy upgrades to income-eligible New York households, including insulation, air sealing...
The NY-Sun Affordable Solar Residential Incentive provides enhanced per-watt rebates exclusively for income-eligible hou...
New York State's HOME Program uses federal HOME Investment Partnerships funds administered by HCR to help low-income hom...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
NYC's Workforce1 Career Centers, operated by the Department of Small Business Services, provide free job placement, trai...
New York's Child Care Assistance Program (CCAP) provides subsidized child care to eligible low-income families statewide...
New York City's EarlyLearn program combines Head Start/Early Head Start and child care subsidies into one integrated sys...
The SBA New York District Office serves small businesses in New York City and the surrounding region. Programs include S...
NYC Small Business Services (SBS) operates NYC Business Solutions Centers across all five boroughs, providing free busin...
Free or low-cost HUD-approved housing counseling and homebuyer education provided by Neighborhood Housing Services of Ne...
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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56 programs are currently listed for New York City, including NYC HPD HomeFix 2.0, NYC HPD Emergency Repair Program, NYC Lead Hazard Reduction & Healthy Homes Program.
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 York City, 38 programs do not require repayment, 5 are forgivable loans, and 6 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.