Find grants, rebates, forgivable loans, and free programs for Paducah, KY, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Paducah, KY, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 14 | 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...
Provides major home rehabilitation for owner-occupied homes in Paducah city limits with income at or below 80% AMI. Loan...
Provides emergency home repairs for owner-occupied households in Paducah with income at or below 50% AMI. Covers repairs...
Provides home modifications to improve accessibility for elderly or disabled residents in owner-occupied homes in Paduca...
HUD-funded program to reduce lead-based paint hazards in Paducah homes built before 1978 with children under age 6. Serv...
Provides financial assistance to low- and moderate-income homeowners for repair or replacement of private sewer lateral ...
Federal WAP program administered by Kentucky Housing Corporation provides free weatherization services including insulat...
Federal HOME Investment Partnerships Program funds administered through Kentucky Housing Corporation for major home reha...
State program providing lead hazard control services for homes where children with elevated blood lead levels reside. In...
TVA-sponsored program offering rebates and financing for comprehensive home energy upgrades. Includes free energy assess...
Rebate for Paducah Power customers who install qualifying high-efficiency heat pump systems. Incentive amounts vary base...
Rebate for Paducah Power customers who install energy-efficient electric water heaters, heat pump water heaters, or tank...
Rebate for Paducah Power customers who add insulation or air sealing improvements to their homes. Requires energy assess...
USDA program providing low-interest loans up to $27,500 and grants up to $10,000 for very low-income homeowners age 62+ ...
VA grant for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. Covers...
VA grant for veterans with certain service-connected disabilities (including blindness or loss of use of hands) to adapt...
Down payment and closing cost assistance for first-time and repeat homebuyers in Kentucky. Combined with below-market in...
Federal tax credit equal to 20% of annual mortgage interest paid, up to $2,000 per year. The MCC reduces federal income ...
Grant assistance for down payment and closing costs for low-income first-time homebuyers. This is a true grant that does...
FHA-insured mortgage that combines home purchase or refinance with renovation costs into a single loan. Allows buyers to...
Matching grant for exterior restoration and preservation of historic properties in Paducah's designated historic distric...
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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24 programs are currently listed for Paducah, 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 Paducah, 14 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.