Find grants, rebates, forgivable loans, and free programs for Oak Island, NC, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oak Island, NC, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 9 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 13 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | 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...
Federally-funded weatherization program administered locally through Brunswick Community Action. Provides no-cost energy...
Low-interest loan program for moderate-income homeowners statewide to make necessary home repairs and improvements. Loan...
State and federally funded program to identify and remediate lead-based paint hazards in pre-1978 homes with children un...
Cash rebate for Duke Energy customers who install qualifying high-efficiency heat pump systems. Rebates range from $300 ...
Financial incentive for Duke Energy customers installing new rooftop solar photovoltaic systems. Rebate is $0.60 per wat...
Comprehensive energy efficiency rebate program offering incentives for insulation, air sealing, duct sealing, water heat...
CDBG-funded program providing forgivable loans to low- and moderate-income homeowners in Brunswick County for major home...
Emergency grant program for owner-occupied homes in Brunswick County addressing health and safety hazards. Priority give...
Grant and loan program to make accessibility modifications for Brunswick County residents with disabilities. Covers ramp...
State grant program providing matching funds to strengthen homes against hurricane damage. Covers roof-to-wall connectio...
State disaster recovery program providing grants to homeowners impacted by federally-declared disasters (including hurri...
Low-interest loan (1% fixed rate) for very-low-income homeowners in eligible rural areas to repair, improve, or moderniz...
Grant program for very-low-income homeowners age 62 and older in eligible rural areas to remove health and safety hazard...
Grant for veterans with certain service-connected disabilities to construct or modify a home to meet adaptive needs. Eli...
Grant for veterans with certain service-connected disabilities to adapt a home for accessibility. Covers veterans who ar...
Grant program administered through local Area Agencies on Aging to help low-income seniors (60+) make minor home repairs...
North Carolina program allowing qualifying seniors (65+) and totally disabled persons to exclude up to $25,000 or 50% of...
Combined solar incentives for North Carolina homeowners including Duke Energy rebate ($0.60/watt up to $4,500) plus fede...
Grant program for low-income Brunswick County homeowners to repair or replace failing septic systems. Priority given to ...
Assistance program for homeowners with leaking or failing water service lines (laterals) from the street to the home. Gr...
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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24 programs are currently listed for Oak Island, 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 Oak Island, 13 programs do not require repayment, 1 is forgivable loan, 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.