Find grants, rebates, forgivable loans, and free programs for Owensboro, KY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Owensboro, KY, with individual awards up to $126,526. 9 programs target seniors, 4 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 | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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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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...
CDBG-funded forgivable loan for major home repairs for income-qualified owner-occupants in Owensboro city limits. Loan i...
Emergency repair grant for owner-occupied homes with urgent health and safety hazards. Priority given to seniors and per...
Federally-funded weatherization services to reduce energy costs for income-qualified households in Daviess County. Servi...
State-funded grant program to modify homes for accessibility for persons with disabilities or seniors aging in place. Co...
Rebates for installing high-efficiency HVAC systems including air source heat pumps, central air conditioners, and furna...
Rebates for purchasing ENERGY STAR certified appliances including heat pump water heaters, electric water heaters, refri...
Rebates for adding attic, wall, or floor insulation to existing homes served by OMU electric. Must meet minimum R-value ...
USDA loans and grants for very low-income homeowners in eligible rural areas of Daviess County to repair or improve thei...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their needs. Elig...
Grant for veterans with certain service-connected disabilities to adapt a family member's home in which they will reside...
State-funded program to address lead hazards in homes where children with elevated blood lead levels reside. Services pr...
HUD HOME-funded forgivable loan for substantial rehabilitation of owner-occupied homes for low-income households in Owen...
Grant assistance for low-income homeowners to repair or replace failing private sewer laterals from home to city main. P...
Grant program specifically for seniors aged 60+ to address critical home repairs that enable aging in place. Covers safe...
State-administered disaster recovery program that provides grants and loans for home repairs following federally-declare...
Down payment and closing cost assistance for first-time homebuyers in Kentucky. Combines affordable mortgage financing w...
Property tax exemption for Kentucky homeowners who are 65+, totally disabled, or qualifying disabled veterans. Exempts a...
Credit program for OMU customers who install solar photovoltaic systems. Provides monthly credits for excess generation ...
Forgivable second mortgage loan to assist with down payment and closing costs for Kentucky homebuyers. Forgiven after 5 ...
Federal energy assistance to help low-income households pay heating and cooling bills. Administered locally through Comm...
Enhanced down payment assistance for qualifying homebuyers including veterans, military, police, firefighters, teachers,...
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 Owensboro, 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 Owensboro, 17 programs do not require repayment, 3 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.