Home Improvement Grants in Palm Bay.

Find grants, rebates, forgivable loans, and free programs for Palm Bay, FL, filtered to your situation.

As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Palm Bay, FL, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 13 require no income limit.

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Showing 25 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $8,000 in weatherization improvements

Florida Weatherization Assistance Program (WAP)

Federally funded program providing free energy efficiency improvements to income-eligible households in Palm Bay. Servic...

Weatherization
Forgivable loan up to $35,000

Palm Bay Owner-Occupied Rehabilitation Program

CDBG-funded program providing major home repairs for low-income homeowners in Palm Bay. Loan is forgiven after 10 years ...

Home Repair
Grant up to $10,000

Palm Bay Emergency Home Repair Grant

Provides emergency repairs for very low-income owner-occupied homes in Palm Bay facing immediate health or safety threat...

Emergency
Up to $1,650 rebate

FPL High-Efficiency HVAC Rebate

FPL offers rebates for installing high-efficiency central air conditioning systems in Palm Bay homes. Rebate amounts var...

Energy
Up to $165 rebate

FPL Smart Thermostat Rebate

FPL provides rebates for purchasing and installing qualifying smart thermostats that enable demand response participatio...

Energy
Solar credits on monthly bill

FPL SolarTogether Community Solar

Community solar program allowing Palm Bay FPL customers to subscribe to solar energy without installing panels. Subscrib...

Solar/Renewable
Grant up to $15,000

Brevard County ADA Home Modification Program

Provides accessibility modifications for Brevard County homeowners with disabilities. Covers wheelchair ramps, roll-in s...

Seniors & Disability
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Loan & Grant

Federal program providing low-interest loans (1%) and grants for very low-income homeowners in eligible rural areas near...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

VA grant for service-connected disabled veterans to build, buy, or modify a home to accommodate their disability. Availa...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

VA grant for veterans with certain service-connected disabilities to make accessibility adaptations to their Palm Bay ho...

Veterans
Free lead hazard removal

Florida Department of Health Lead Hazard Control

HUD-funded program to reduce lead-based paint hazards in pre-1978 homes in Palm Bay where children under 6 reside. Servi...

Home Repair
Forgivable loan up to $15,000

Brevard County Septic System Repair Program

Provides forgivable loans to low-income Brevard County homeowners for septic system repair or replacement. Loan is forgi...

Home Repair
Up to $50,000 forgivable loan

Florida SHIP Owner-Occupied Rehab

State Housing Initiatives Partnership (SHIP) funds administered locally for owner-occupied rehabilitation. Provides forg...

Home Repair
Grant up to $7,500

Brevard County Senior Home Repair Grant

Grant program specifically for senior homeowners (62+) in Brevard County needing minor to moderate home repairs. Covers ...

Seniors & Disability
Free energy audit and LED bulbs

FPL Free Energy Manager Program

FPL provides free in-home energy audits and energy-saving products to Palm Bay customers. Includes personalized energy a...

Energy
30% of system cost tax credit

Federal Residential Solar Investment Tax Credit

Federal tax credit covering 30% of the cost of installing residential solar panels and battery storage systems in Palm B...

Solar/Renewable
Up to $10,000 matching grant

My Safe Florida Home Program

State program providing matching grants to Palm Bay homeowners for hurricane mitigation improvements. Covers opening pro...

Disaster
Varies by project scope

FEMA Flood Mitigation Assistance

Federal program providing grants to reduce or eliminate the risk of repetitive flood damage to buildings insured by the ...

Disaster
Up to $35,000 in assistance

Florida Homeowner Assistance Fund

Federal program helping Florida homeowners who experienced financial hardship after January 21, 2020. Provides assistanc...

Home Repair
Free energy assessment

FPL Business Energy Evaluation

FPL provides free energy assessments for small business owners in Palm Bay to identify energy-saving opportunities. Incl...

Business
Up to $300 in rebates

Brevard County Water Conservation Rebates

Brevard County offers rebates for water-saving devices and irrigation system upgrades. Covers high-efficiency toilets, s...

Energy

💡 Stack programs to maximize your savings

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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