Find grants, rebates, forgivable loans, and free programs for Palatka, FL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Palatka, FL, with individual awards up to $150,000. 7 programs target seniors, 2 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...
Provides free energy-efficiency improvements to low-income households in Putnam County. Services include insulation, air...
Provides grants and forgivable loans to repair or rebuild homes damaged by federally declared disasters in Florida. Desi...
Provides comprehensive home rehabilitation assistance to low-income owner-occupants in unincorporated Putnam County and ...
Provides loans and grants to very-low-income homeowners in rural areas to repair, improve, or modernize their homes, or ...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. El...
Helps veterans with certain service-connected disabilities adapt a home to meet their needs. Eligible for veterans who a...
Provides cash rebates for residential customers who install qualifying energy-efficient equipment such as high-efficienc...
Offers upfront rebates for Duke Energy Florida residential customers who install qualifying solar photovoltaic systems. ...
Provides free lead testing, risk assessment, and abatement services to income-eligible families with children under 6 li...
Assists low-income homeowners within Palatka city limits with the cost of repairing or replacing private sewer lateral l...
Provides emergency and minor home repair grants to low-income seniors age 60 and older in Putnam County. Covers repairs ...
Provides grants to income-eligible homeowners with disabilities in Putnam County to make accessibility modifications suc...
Federal Home Loan Bank of Atlanta's Affordable Housing Program provides subsidized funding to member banks for owner-occ...
State Housing Initiatives Partnership (SHIP) provides funds through Putnam County for home repairs that preserve afforda...
Federal tax credit under the Inflation Reduction Act for energy-efficient home improvements including insulation, window...
Federal tax credit equal to 30% of the cost of installing a residential solar photovoltaic system. Credit applies to equ...
Provides assistance with home energy costs for low-income households. One-time payment made directly to utility company ...
HUD-funded disaster recovery assistance for homeowners affected by federally declared disasters (hurricanes, floods). Co...
State rebate program for homeowners who install qualifying Energy Star heat pump water heaters. Rebate amount depends on...
Provides affordable home repairs for low-income homeowners in Putnam County. Focus on critical repairs that impact healt...
State-administered CDBG-DR program to help homeowners repair or replace homes damaged by hurricanes. Covers unmet needs ...
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 Palatka, 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 Palatka, 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.