Find grants, rebates, forgivable loans, and free programs for North Tonawanda, NY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in North Tonawanda, NY, with individual awards up to $500,000. 6 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | 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...
Provides major home repairs and rehabilitation for owner-occupied homes in North Tonawanda with household income at or b...
Provides emergency repairs for low-income owner-occupied households in North Tonawanda facing immediate health or safety...
HUD-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under 6 reside. Servi...
Provides accessibility modifications for owner-occupied homes where a disabled or elderly resident lives. Includes ramps...
Assists low-income homeowners with the cost of repairing or replacing water and sewer lateral lines from the home to the...
Federally funded program administered by New York State that provides free energy efficiency improvements for income-eli...
State incentive for installing qualifying air-source or ground-source heat pumps. Rebate amounts vary based on system ty...
Free comprehensive energy efficiency upgrades for income-eligible households in National Fuel service territory. Include...
Rebates for National Fuel customers who install qualifying high-efficiency natural gas equipment. Includes furnaces, boi...
Electric utility rebates for energy efficiency improvements including electric heat pumps, insulation, air sealing, and ...
State incentive for installing solar photovoltaic systems on residential properties. Incentive amount depends on system ...
Very low-interest loans and grants for very low-income rural homeowners to repair, improve, or modernize their homes, or...
Grant for veterans with certain permanent and total service-connected disabilities to construct an adapted home or modif...
Grant for veterans with certain permanent and total service-connected disabilities to adapt a home to meet their needs. ...
Federally funded HOME program administered through New York State to rehabilitate owner-occupied homes for low-income ho...
Provides assistance to low-income New Yorkers to help pay heating bills. Regular benefit helps with heating costs; emerg...
Provides funding to municipalities to undertake projects that demolish, deconstruct, rehabilitate, or reconstruct vacant...
State income tax credit of 20% of qualified rehabilitation expenditures for owner-occupied historic homes, up to $50,000...
Enhanced property tax relief for homeowners age 65+ with income below $98,700 (2024 limit). Provides greater reduction i...
Reduces assessed value of property by up to 50% for homeowners age 65+ with income below local limits. Percentage reduct...
Provides minor home repair assistance and referrals for seniors age 60+ in Niagara County. Services may include minor re...
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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25 programs are currently listed for North Tonawanda, 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 North Tonawanda, 19 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.