Find grants, rebates, forgivable loans, and free programs for Palm Coast, FL, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Palm Coast, FL, with individual awards up to $126,526. 7 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 | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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 program providing major home rehabilitation for owner-occupied homes in Palm Coast. Forgivable loan for low-...
Federally funded Weatherization Assistance Program (WAP) serving Flagler County residents. Provides energy efficiency im...
FPL offers free home energy audits and rebates for qualifying energy-efficient upgrades including AC systems, heat pumps...
Community solar program allowing FPL customers to subscribe to solar energy without installing panels. Customers receive...
Property Assessed Clean Energy (PACE) financing for energy efficiency, renewable energy, and hurricane hardening improve...
State-funded program providing grants for hurricane mitigation improvements to owner-occupied homes. Covers impact-resis...
State Housing Initiatives Partnership (SHIP) program providing home repair assistance to low-income homeowners in Flagle...
Federal program providing loans up to $40,000 and grants up to $10,000 for very low-income homeowners in eligible rural ...
VA grant for veterans with certain service-connected disabilities to build, buy, or modify a home for independent living...
VA grant for veterans with specific service-connected disabilities (including blindness or loss of hands) to adapt a fam...
Federal HOME Investment Partnerships program providing forgivable loans for owner-occupied rehabilitation in Flagler Cou...
HUD-funded lead hazard control program for Flagler County homes built before 1978 with children under 6. Free lead testi...
State disaster recovery program using federal CDBG-DR funds to repair, rebuild, or replace homes damaged by hurricanes a...
City program providing emergency assistance for repair or replacement of private sewer laterals from home to main connec...
Federal Low-Income Home Energy Assistance Program (LIHEAP) helping eligible FPL customers pay energy bills during peak c...
Additional property tax exemption for homeowners 65 and older with household income below $32,000. Exempts up to $50,000...
Property tax exemption for permanently and totally disabled homeowners regardless of age or income. Exempts $500 of asse...
Rebate for FPL customers installing qualifying high-efficiency heat pump systems. Units must meet minimum SEER2 and HSPF...
Rebate for FPL customers installing energy-efficient electric water heaters. Covers standard electric and heat pump wate...
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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23 programs are currently listed for Palm Coast, 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 Palm Coast, 16 programs do not require repayment, 2 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.