Find grants, rebates, forgivable loans, and free programs for Phenix City, AL, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Phenix City, AL, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 14 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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 ADECA that provides free weatherization services to low-income households in Al...
AHFA's Step Up program provides forgivable down payment and closing cost assistance to qualified first-time homebuyers i...
Provides major home repairs and rehabilitation for low-income owner-occupied homes in Phenix City. Loan is forgiven afte...
Provides emergency repair grants for very low-income homeowners facing immediate health and safety hazards. Priority giv...
Provides accessibility modifications for low-income homeowners with disabilities in Phenix City. Includes ramps, bathroo...
Cost-share program to assist Phenix City homeowners with repair or replacement of failing private sewer lateral lines fr...
Federal program providing low-interest loans (1% fixed) and grants to very low-income rural homeowners for repairs, impr...
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 disability-related needs. Eligible...
Rebate for Alabama Power residential customers who install qualifying high-efficiency central air conditioning or heat p...
Rebate for Alabama Power residential customers who add qualifying insulation to attics, floors, or walls. Must meet mini...
Rebate for Alabama Power residential customers who install qualifying high-efficiency electric water heaters, including ...
Rebate for Alabama Power residential customers who install qualifying ENERGY STAR® certified windows. Windows must meet ...
HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978 with children under 6 y...
Federal HOME funds administered by ADECA provide rehabilitation assistance to low-income homeowners. Forgivable loan for...
Alabama provides property tax exemptions for seniors 65+ and disabled homeowners. Exempts up to $5,000 of assessed prope...
CDBG-DR funds activated after federally declared disasters to help low- and moderate-income homeowners repair, rebuild, ...
FHA-insured mortgage that allows borrowers to finance both the purchase (or refinance) of a house and the cost of its re...
Federal tax credit that allows first-time homebuyers to claim 20-40% of annual mortgage interest paid as a dollar-for-do...
USDA grant program for rural small businesses and agricultural producers to purchase renewable energy systems (solar, wi...
Free HUD-approved homebuyer education course required for most AHFA loan programs. Covers budgeting, credit, mortgage op...
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 Phenix 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 Phenix City, 14 programs do not require repayment, 3 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.