Find grants, rebates, forgivable loans, and free programs for Orlando, FL, filtered to your situation.
As of June 2026, 35 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Orlando, FL, with individual awards up to $126,526. 9 programs target seniors, 4 serve veterans, and 17 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 22 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | 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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The City of Orlando Housing and Community Development assists qualified homeowners with repairs to correct conditions th...
Orange County provides low- and no-interest loans to low- and moderate-income homeowners in unincorporated Orange County...
The My Safe Florida Home Program provides free wind mitigation inspections and matching grants for hurricane-hardening i...
Florida PACE allows Orlando homeowners to finance energy-efficient and hurricane-resistant improvements through a fixed ...
OUC's Go Green, Get Green program offers rebates on over 20 energy and water-saving upgrades for Orlando residential cus...
Duke Energy Florida offers up to $3,800 in combined rebates for residential energy efficiency improvements effective May...
Florida's WAP delivers free whole-house weatherization to low-income Orlando homes through local community action agenci...
SHIP funds distributed to Orlando and Orange County create and preserve affordable homeownership through rehabilitation ...
Habitat for Humanity Greater Orlando & Osceola County replaces roofs and performs major home repairs at no cost for qual...
The VA SAH grant (up to $126,526) helps veterans with severe service-connected disabilities build, buy, or modify a home...
The HISA grant provides veterans with medically necessary home modifications to improve accessibility and accommodate di...
Florida homeowners using their property as a primary residence qualify for the Homestead Exemption, reducing assessed va...
Florida provides property tax relief for disabled veterans. Veterans with a VA-certified service-connected disability of...
The FHA Title I Program insures loans by private lenders for home improvements, making financing accessible even without...
LIHEAP helps low-income Orlando and Orange County households pay energy bills and may cover HVAC repair or replacement. ...
The City of Orlando's CDBG Program funds housing rehabilitation, housing counseling, and neighborhood improvement activi...
Orange County receives CDBG, HOME, and ESG funds from HUD annually. The 2025-2026 Annual Action Plan includes a substant...
USDA Section 504 provides repair loans at 1% interest (20-year term) and grants of up to $10,000 for very low-income rur...
VITA sites offer free IRS-certified tax preparation to low- and moderate-income Orlando residents, helping them claim al...
FEMA HMGP provides grants to reduce future disaster losses through home elevation, flood proofing, and wind retrofits. H...
The Orange County Housing Finance Authority issues mortgage revenue bonds and administers programs that can support home...
OUC offers solar net metering, TruNet Solar, battery storage rebates, OUCommunity Solar, and SunChoice programs for resi...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
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 or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
The City of Orlando's Down Payment Assistance Program provides forgivable loans up to $40,000 to income-qualified first-...
CareerSource Central Florida administers WIOA-funded services for the seven-county Central Florida region including Oran...
Florida's School Readiness (SR) program provides child care subsidies to low-income working families through the state's...
The SBA North Florida District Office serves small businesses in Orlando and throughout Central Florida. Programs includ...
The City of Orlando's Economic Development Department provides small business support through CDBG-funded programs, micr...
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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35 programs are currently listed for Orlando, including City of Orlando Housing Rehabilitation Program, Orange County Housing Rehabilitation Loan Program, My Safe Florida Home Wind Mitigation Grant.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Orlando, 22 programs do not require repayment, 4 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.