Find grants, rebates, forgivable loans, and free programs for Niceville, FL, filtered to your situation.
As of June 2026, 21 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Niceville, FL, with individual awards up to $126,526. 5 programs target seniors, 3 serve veterans, and 11 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 | 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...
Federally funded program administered by Florida DEO that provides free energy efficiency improvements to income-qualifi...
HUD-funded lead hazard control program targeting pre-1978 homes with children under age 6. Provides free lead inspection...
Provides loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes o...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their adaptive needs. Eligi...
Helps veterans with certain service-connected disabilities adapt a home to meet their disability-related needs. Eligible...
Rebate for residential customers who install qualifying high-efficiency heat pump systems. Eligible systems must meet mi...
Rebate for residential customers who install qualifying high-efficiency electric or heat pump water heaters. Rebate amou...
Rebate for customers who purchase and install qualifying smart thermostats. Eligible models allow for energy-saving temp...
Federal tax credit for residential solar photovoltaic (PV) systems, solar water heating, and battery storage. Credit equ...
Additional homestead exemption for seniors 65 and older with household income below $32,000. Provides up to $50,000 addi...
Property tax exemption for homeowners who are totally and permanently disabled. Provides $500 additional exemption on as...
Property tax exemption for disabled veterans with service-connected disability. 10% or more disability receives discount...
State-funded program providing housing assistance including owner-occupied rehabilitation for very-low, low, and moderat...
Federal program that provided mortgage payment assistance to unemployed or underemployed homeowners who experienced hard...
Matching grant program (when funded) for hurricane mitigation improvements including roof retrofits, opening protection,...
Disaster recovery program activated after presidentially declared disasters (hurricanes, floods, etc.). Provides grants ...
Federally funded program providing rehabilitation assistance to very low and low-income homeowners. Grants or deferred/f...
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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21 programs are currently listed for Niceville, 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 Niceville, 15 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.