Find grants, rebates, forgivable loans, and free programs for Oxford, AL, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oxford, AL, with individual awards up to $126,526. 7 programs target seniors, 3 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 | 3 | 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...
Forgivable loan program for essential home repairs for owner-occupants in Alabama with incomes up to 80% AMI. Loan is fo...
Federally-funded weatherization services to reduce energy costs for low-income Alabama households. Services include insu...
CDBG-funded home rehabilitation program for low-income owner-occupied households in Calhoun County. Addresses major heal...
Grant program for minor home repairs and accessibility modifications for senior homeowners age 60+ in Calhoun County wit...
Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair or improve their homes, o...
Grant for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. Eligible ...
Grant for veterans with certain service-connected disabilities to adapt a home for independent living. Eligible disabili...
Rebate for Alabama Power residential customers who install qualifying high-efficiency electric heat pumps. Rebate amount...
Rebate for Alabama Power residential customers who add insulation to their homes. Covers attic, wall, and floor insulati...
Rebate for Alabama Power customers who install qualifying high-efficiency electric or heat pump water heaters. Heat pump...
Rebate for Alabama Power customers who purchase and install qualifying ENERGY STAR certified smart thermostats. Smart th...
Federal tax credit equal to 30% of the cost of installing a residential solar energy system. Applies to solar panels, la...
HUD-funded program to reduce lead-based paint hazards in pre-1978 homes occupied by families with children under age 6. ...
Grant program for accessibility modifications to owner-occupied homes in Calhoun County for residents with disabilities....
Federal HOME funds administered by ADECA for comprehensive home rehabilitation for low-income homeowners in Alabama. Add...
Federally funded program providing assistance with home heating and cooling costs for low-income Alabama households. Pri...
Property tax exemption for Alabama homeowners age 65+, permanently disabled, or 100% disabled veterans. Exempts state pr...
CDBG Disaster Recovery funds administered by ADECA for homeowners affected by federally declared disasters in Alabama. P...
Federal tax credit for ENERGY STAR certified windows and skylights installed in existing homes. Credit equals 30% of cos...
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.
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23 programs are currently listed for Oxford, 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 Oxford, 15 programs do not require repayment, 3 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.