Find grants, rebates, forgivable loans, and free programs for Norman, OK, filtered to your situation.
As of June 2026, 27 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Norman, OK, with individual awards up to $500,000. 5 programs target seniors, 2 serve veterans, and 13 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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...
Federal weatherization program administered by Oklahoma Department of Commerce providing free energy efficiency improvem...
Down payment and closing cost assistance for first-time homebuyers in Oklahoma. Offered as a forgivable second mortgage ...
CDBG-funded major home rehabilitation for low- and moderate-income owner-occupants in Norman. Loan is forgiven over 5 ye...
Grant program for emergency home repairs that pose immediate health and safety threats to very low-income Norman residen...
Grant program to modify homes for accessibility and ADA compliance for disabled residents in Norman. Covers ramps, widen...
Comprehensive home energy assessment and rebates for qualifying energy efficiency improvements. Includes air sealing, in...
Rebate for installation of qualifying high-efficiency electric heat pump systems. Must meet minimum SEER2 and HSPF2 rati...
Rebate for purchase and installation of qualifying Wi-Fi enabled smart thermostat. Must enroll in OG&E Smart Hours progr...
Rebate for installation of qualifying energy-efficient electric or heat pump water heaters. Heat pump water heaters rece...
HUD-funded program providing free lead hazard assessment and remediation for homes built before 1978 with children under...
Low-interest loan program for very low-income homeowners in eligible rural areas near Norman to repair, improve, or mode...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their disa...
Grant for veterans with certain service-connected disabilities to modify a home to accommodate their disability. For vet...
Cost-share program to assist income-qualified Norman homeowners with repair or replacement of private sanitary sewer lat...
Oklahoma's state solar tax credit is currently suspended due to funding cap being reached. Federal solar tax credits (30...
Net metering program allowing residential solar customers to receive credit for excess electricity generated and sent ba...
Federal tax credit covering 30% of the cost of installing a residential solar photovoltaic system. Includes equipment, l...
HUD HOME funds administered by Norman for rehabilitation of owner-occupied homes. Forgivable loan for households at or b...
Federal energy assistance program helping low-income households pay heating and cooling bills. Priority given to househo...
Emergency energy assistance for households facing utility disconnection or experiencing a heating/cooling emergency. Ava...
Funding for flood mitigation projects including elevation, acquisition, demolition, and relocation of flood-prone proper...
State-administered CDBG for communities under 50,000 population. Norman may apply for housing rehabilitation or infrastr...
Disaster recovery assistance for Oklahoma homeowners affected by federally declared disasters (tornadoes, floods, severe...
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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27 programs are currently listed for Norman, 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 Norman, 19 programs do not require repayment, 3 are forgivable loans, and 4 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.