Find grants, rebates, forgivable loans, and free programs for Oak Ridge, TN, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oak Ridge, TN, with individual awards up to $126,526. 8 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 | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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 providing comprehensive energy efficiency upgrades at no cost to income-eligible households. Se...
CDBG-funded rehabilitation program for owner-occupied homes in Oak Ridge needing major repairs. Provides forgivable loan...
Emergency grant program for low-income homeowners facing urgent health and safety hazards in their primary residence. Co...
CDBG grant program for accessibility modifications enabling disabled or elderly residents to remain safely in their home...
Forgivable loan program to assist income-qualified homeowners with the repair or replacement of private sewer lateral li...
Below-market-rate mortgage program for first-time homebuyers in Tennessee, including Oak Ridge. Offers competitive inter...
Federal program providing low-interest loans and grants to very-low-income homeowners in eligible rural areas near Oak R...
Grants for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. Eligible...
Grants for veterans with certain service-connected disabilities to adapt their home. Eligible veterans include those who...
TVA rebate for qualifying electric heat pump installations. Available to all Oak Ridge Electric Department customers who...
Comprehensive whole-home energy efficiency program with free energy assessment and instant rebates for qualifying improv...
Rebate for qualified electric water heaters installed by Oak Ridge Electric customers. Includes standard electric resist...
Rebate for qualified Level 2 electric vehicle charging equipment installed at residential properties served by Oak Ridge...
Rebate for ENERGY STAR certified smart thermostats that enable energy savings through automated temperature control and ...
Grant program specifically for homeowners age 62 and older who need assistance with minor home repairs and safety improv...
State and HUD-funded program to reduce lead-based paint hazards in pre-1978 homes where children under age 6 or pregnant...
Federal HOME program administered by THDA providing grants for housing rehabilitation to low-income homeowners. Funds us...
Federal tax credit covering 30% of the cost of solar photovoltaic systems (including installation) installed on resident...
Local implementation of federal Weatherization Assistance Program serving Anderson County including Oak Ridge. Provides ...
State property tax relief program for homeowners age 65+ or totally disabled with total income under program limits. Pro...
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 Ridge, 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 Ridge, 15 programs do not require repayment, 2 are forgivable loans, and 5 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.