Find grants, rebates, forgivable loans, and free programs for Panama City, FL, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Panama City, FL, with individual awards up to $126,526. 7 programs target seniors, 3 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 | 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 forgivable loans for major home repairs and rehabilitation for income-qualified owner-occupants in Panama City....
Emergency grant program for immediate health and safety hazards in owner-occupied homes for very low-income Panama City ...
Federal WAP program administered by Florida DEO provides free weatherization improvements to reduce energy costs for low...
Gulf Power offers rebates for qualifying high-efficiency heat pumps and air conditioning systems installed in residentia...
Rebate for qualifying insulation and air sealing improvements in Gulf Power service territory. Must complete a home ener...
Rebate for installing qualifying ENERGY STAR heat pump water heaters in residential properties served by Gulf Power. Reb...
State-funded matching grant program for hurricane mitigation improvements including roof strengthening, impact-resistant...
State Housing Initiatives Partnership (SHIP) funded rehabilitation for owner-occupied homes in Bay County. Provides forg...
USDA program providing low-interest loans and grants to very low-income homeowners in eligible rural areas near Panama C...
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 to adapt a home for independent living. Covers modific...
Bay County program providing grants for ADA-compliant home modifications for residents with disabilities. Covers wheelch...
Grant program for low-income seniors age 60+ in Bay County for minor emergency home repairs that affect health and safet...
Low-interest loan program for Panama City property owners to repair or replace damaged private sewer lateral lines. Loan...
Florida Department of Health program providing free lead hazard assessment and abatement for homes with children under a...
Federal tax credit covering 30% of the cost of installing solar panels and battery storage systems on residential proper...
Additional homestead exemption for Bay County seniors age 65+ with household income below statutory limit. Reduces taxab...
Property tax exemption for Bay County homeowners who are totally and permanently disabled. Provides $500 reduction in as...
Property tax exemption for disabled veterans with service-connected disability rating of 10% or higher. Exemption amount...
CDBG Disaster Recovery program for Panama City homeowners with unmet recovery needs from Hurricane Michael (2018). Provi...
Federal HOME funds administered by Bay County for major rehabilitation of owner-occupied homes. Forgivable loan for inco...
Financial assistance for Panama City homeowners required to connect to municipal sewer when service becomes available. C...
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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26 programs are currently listed for Panama City, 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, 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.