Find grants, rebates, forgivable loans, and free programs for Ramapo, NY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Ramapo, NY, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 9 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | 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...
Federally funded program that provides free energy efficiency upgrades to income-eligible New York households. Services ...
Provides rebates for installation of electric air-source or ground-source heat pumps in New York homes. Additional incen...
Utility rebate program for Orange & Rockland customers installing energy-efficient equipment including insulation, HVAC ...
Provides forgivable loans to income-qualified owner-occupants in Rockland County for major home repairs and rehabilitati...
CDBG-funded emergency repair grants for owner-occupied homes in Ramapo with income at or below 50% AMI. Addresses immedi...
HUD-funded program to eliminate lead-based paint hazards in Rockland County homes built before 1978 with children under ...
Provides grants to low-to-moderate income seniors age 60+ in Rockland County for minor home repairs and accessibility mo...
CDBG-funded grants for accessibility modifications to homes of disabled residents in Ramapo. Includes wheelchair ramps, ...
USDA program providing loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or mod...
VA grant for veterans with certain service-connected disabilities to construct or modify a home to meet their needs. Cov...
VA grant for veterans with qualifying service-connected disabilities to adapt a family member's home in which they will ...
Comprehensive no-cost energy efficiency upgrades for income-eligible New York households. Includes insulation, air seali...
Provides upfront incentives to reduce the cost of installing solar photovoltaic systems on New York homes. Incentive amo...
Federal HOME Investment Partnerships Program funds administered by New York State for comprehensive rehabilitation of ow...
School Tax Relief (STAR) program provides property tax exemption for owner-occupied primary residences in New York. Basi...
Provides financial assistance to income-eligible homeowners in Ramapo for repair or replacement of failing sewer lateral...
Rebate program for Orange & Rockland electric customers who install ENERGY STAR certified heat pump water heaters. Rebat...
CDBG-funded grant program for roof replacement or major repair for income-eligible homeowners in Ramapo. Addresses criti...
Emergency grant for replacement of failed heating systems for very-low-income homeowners in Ramapo. Priority given to ho...
Provides down payment and closing cost assistance to first-time homebuyers in New York purchasing homes in targeted area...
CDBG-funded grant for critical foundation and structural repairs that threaten habitability or safety of owner-occupied ...
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 Ramapo, 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 Ramapo, 18 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.