Find grants, rebates, forgivable loans, and free programs for Omaha, NE, filtered to your situation.
As of June 2026, 48 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Omaha, NE, with individual awards up to $126,526. 12 programs target seniors, 7 serve veterans, and 20 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 29 | 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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0% interest loan for exterior repairs, roofs, windows, porches, siding, for homeowners east of 72nd Street. Single-perso...
Helps low- to moderate-income homeowners make necessary health, safety, and structural repairs. Income must be at or bel...
Fixes home issues that threaten the health, safety, and well-being of very low-income households. Gross income at or bel...
Enables low-income elderly persons (age 62+) to remain safely in their homes through low-cost, high-impact modifications...
City of Omaha received $3.1M HUD grant to test and abate lead hazards in pre-1978 homes in eastern Omaha. Covers testing...
Zero-interest home equity loan up to $50,000 fully amortized over 30 years. Exclusively for owner-occupied single-family...
No-cost home repair and renovation for homeowners in formerly redlined North and South Omaha. Three partner orgs: Canopy...
No-interest loans for essential home repairs for homeowners at or below 80% AMI across Douglas, Sarpy, Washington, Cass,...
Free in-home energy audit plus up to $3,000 in energy-efficient improvements at no cost. Income below 200% Federal Pover...
Free home repairs and modifications for low-income homeowners at or below 50% AMI in Douglas, Sarpy, and Pottawattamie C...
Critical home repairs and accessibility modifications for low- to moderate-income homeowners including older adults, imm...
Free insulation, air sealing, window sealing, HVAC safety checks, and indoor air quality improvements for Douglas County...
Pays heating and cooling bills directly to utility providers for households at or below 150% Federal Poverty Level. Heat...
Up to $500 per year in OPPD bill assistance for customers experiencing an acute financial crisis. Distributed through 30...
Rebates for OPPD customers on windows and attic insulation. Windows: $75 per window (max $1,000, U-Factor ≤0.27). Attic ...
Rebates for OPPD customers replacing central A/C or heat pumps. $265 for 16 SEER (15.2 SEER2), $375 for 17 SEER (16.2 SE...
Rebates on ENERGY STAR certified appliances for OPPD residential customers. Up to $305 total. Purchase date of January 1...
Low-interest loans at 3% or less for OPPD residential customers making energy-efficient home improvements. Up to $30,000...
MUD residential rebates: $200 for new natural gas range; $200 for natural gas dryer (or replacing electric dryer with ga...
M.U.D. Home Fund (established 1983) provides utility bill assistance to seniors, people with disabilities, and limited-i...
Down payment and closing cost assistance for first-time homebuyers. Second mortgage up to 5% of purchase price (max $10,...
Below-market interest rate first mortgage for first-time homebuyers (or those who haven't owned in 3 years). Pairs with ...
Allows Housing Choice Voucher (HCV/Section 8) holders to use their voucher toward homeownership. Must be employed full-t...
Homebuyer education workshops, financial counseling, and community land trust homeownership in Omaha's Park Avenue neigh...
Reduces or eliminates property taxes for qualifying seniors (65+), disabled persons, and disabled veterans. Sliding-scal...
For veterans with permanent total service-connected disability. Build, buy, or extensively modify a home for wheelchair ...
For veterans with specific service-connected disabilities (burns, blindness, severe arm/hand disability). Adapt an exist...
Most accessible VA housing grant, available for any service-connected disability. Covers ramps, grab bars, roll-in showe...
Temporary emergency funds for Nebraska veterans and their dependents when a verifiable crisis disrupts normal living and...
Up to $25,000 for home improvements with no equity requirement. Amounts up to $7,500 are unsecured (signature only). Fix...
Finance a home purchase + renovation in one loan. Limited 203(k) covers up to $75,000 in non-structural repairs; Standar...
30% federal tax credit on qualifying energy-efficient home improvements. Up to $3,200/year total: $1,200 cap for windows...
Free in-person help filing the Nebraska Homestead Exemption application for seniors 65+, disabled persons, and disabled ...
Habitat Omaha builds and sells homes at affordable prices with 0% interest mortgages to income-qualifying families. Part...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
USDA's Section 504 program provides grants up to $10,000 for homeowners age 62+ with very low incomes in rural areas to ...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Free tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) program. Certified volunteers prepa...
Nebraska's Child Care Subsidy Program assists low-income families with the cost of child care so parents can work or att...
The SBA Nebraska District Office in Omaha serves small businesses throughout Nebraska. Programs include SBA Microloans (...
The Omaha Economic Development Corporation (OEDC) is a CDFI providing small business loans and technical assistance to O...
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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48 programs are currently listed for Omaha, including City of Omaha Exterior Repair Program (ERP), City of Omaha Homeowner Rehabilitation Program, City of Omaha Emergency Repair Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Omaha, 29 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.