Find grants, rebates, forgivable loans, and free programs for Oswego, NY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oswego, NY, with individual awards up to $126,526. 9 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 | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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 program administered by New York State that provides free energy efficiency improvements to income-elig...
CDBG-funded program providing comprehensive home repairs and rehabilitation for income-eligible owner-occupied homes in ...
Provides emergency grants for urgent home repairs that pose immediate threats to health and safety. Priority given to se...
State and federally-funded program to eliminate lead-based paint hazards in pre-1978 homes with children under age 6. Se...
Provides grants for home modifications to improve accessibility for persons with disabilities. Covers wheelchair ramps, ...
Cost-sharing program for replacing failing private sewer laterals from homes to the city main. City provides up to 50% s...
National Grid provides rebates for qualifying air source heat pump installations in Oswego. Rebates vary by system type ...
National Grid offers rebates for home insulation upgrades including attic, wall, and basement insulation. Requires an in...
National Grid offers instant rebates on qualifying Wi-Fi-enabled smart thermostats purchased through participating retai...
National Grid provides rebates for high-efficiency heat pump water heaters that use up to 60% less energy than standard ...
NYSERDA provides incentives for residential solar photovoltaic systems installed by certified contractors. Combined with...
Low-interest loans for very low-income homeowners in eligible rural areas near Oswego to repair, improve, or modernize h...
Grants to very low-income homeowners age 62 and older in eligible rural areas near Oswego to remove health and safety ha...
Grants for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate ...
Grants for eligible veterans with certain service-connected disabilities to adapt a home they live in. Covers modificati...
Federal HOME Investment Partnerships Program funds administered by New York State for comprehensive homeowner rehabilita...
Property tax exemption for Oswego homeowners age 65 and older with income below $29,000 (or $37,000 for married couples)...
Enhanced School Tax Relief (STAR) exemption for homeowners age 65 and older with income of $98,700 or less. Provides par...
New York State Home Energy Assistance Program provides grants to help low-income households pay heating bills. Regular b...
Emergency HEAP benefit for households facing heating emergencies including fuel tank depletion, utility shut-off notice,...
State-funded program to identify and remediate lead hazards in homes built before 1978 where young children reside or vi...
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 Oswego, 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 Oswego, 17 programs do not require repayment, 2 are forgivable loans, 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.