Find grants, rebates, forgivable loans, and free programs for Panama City Beach, FL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Panama City Beach, FL, with individual awards up to $126,526. 6 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 | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | 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...
Federally-funded program administered by Florida Department of Commerce that provides free energy efficiency improvement...
State Housing Initiatives Partnership (SHIP) program provides forgivable loans to low- and moderate-income homeowners fo...
Community Development Block Grant program providing home rehabilitation assistance to low-income owner-occupants in Bay ...
Emergency grant for low-income homeowners facing immediate threats to health and safety. Covers urgent repairs that cann...
Provides accessibility modifications for owner-occupied homes where a disabled resident needs accommodation. Includes ra...
Federal program providing loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or ...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their needs. Elig...
Grant for veterans with certain service-connected disabilities to adapt a home to meet their needs. Eligible disabilitie...
Rebate for Gulf Power residential customers who install qualifying high-efficiency heat pump systems. Rebate amounts var...
Discounted professional HVAC tune-up service for Gulf Power residential customers. Service includes system inspection, c...
Rebate for Gulf Power customers who purchase and install qualifying smart or Wi-Fi-enabled thermostats. Smart thermostat...
Rebate for Gulf Power residential customers who install qualifying heat pump water heaters. Heat pump water heaters are ...
Rebate for Gulf Power customers who add qualifying attic or wall insulation to improve home energy efficiency. Proper in...
Florida law requires utilities to offer net metering for residential solar installations and exempts the added value of ...
Federal tax credit equal to 30% of the cost of installing a residential solar energy system (including solar panels, inv...
Federal HOME Investment Partnerships program providing rehabilitation assistance to low-income homeowners. Covers major ...
HUD-funded program to identify and remediate lead-based paint hazards in pre-1978 homes with children under 6. Services ...
Grant program for seniors aged 60+ to make minor home repairs and accessibility improvements that allow them to age in p...
Federally funded program that helps low-income households pay heating and cooling bills. Provides one-time annual assist...
Low-interest loan program to help homeowners repair or replace failing sewer lateral lines from the home to the main sew...
Community Development Block Grant Disaster Recovery funds for homeowners affected by federally declared disasters includ...
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 Panama City Beach, 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 Panama City Beach, 15 programs do not require repayment, 4 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.