Find grants, rebates, forgivable loans, and free programs for Richmond, IN, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Richmond, IN, 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 | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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...
State-administered federal program that provides free weatherization services to low-income households in Wayne County. ...
CDBG-funded program providing forgivable loans for major home repairs to income-qualified Richmond homeowners. Loan is f...
Provides grants for accessibility modifications to Richmond homes occupied by persons with disabilities or seniors. Cove...
Provides cost-share grants to help Richmond homeowners repair or replace failing sanitary sewer laterals on private prop...
USDA program offering low-interest loans and grants to very-low-income rural homeowners (including areas around Richmond...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Av...
Helps veterans with certain service-connected disabilities adapt a home to accommodate their disability. Available to ve...
Federal HOME funds administered through Indiana to provide owner-occupied rehabilitation assistance. Typically structure...
Rebates for Duke Energy Indiana residential customers who install qualifying high-efficiency central air conditioners or...
Rebate for Duke Energy Indiana customers who purchase and install a qualifying ENERGY STAR certified smart thermostat. S...
Rebate for Duke Energy Indiana customers who install an ENERGY STAR certified heat pump water heater. Heat pump water he...
Rebate for Duke Energy Indiana customers who add insulation and air sealing to their homes. Requires a pre-work energy a...
Rebate for Duke Energy Indiana customers who install qualifying grid-tied solar photovoltaic systems. Rebate is $250 per...
State program funded by HUD to identify and remediate lead-based paint hazards in homes built before 1978 where children...
Down payment assistance grant for first-time homebuyers purchasing in Indiana. Must be used in conjunction with an IHCDA...
Targeted CDBG grant program for Richmond homeowners age 62 and older needing critical home repairs. Covers emergency rep...
Comprehensive home energy assessment by a certified professional for Duke Energy Indiana customers. Identifies energy sa...
Federal program helping low-income households with home heating and cooling costs. Provides direct payment to utility co...
Emergency CDBG grant for Richmond homeowners facing imminent health or safety risk due to non-functioning heating system...
State income tax credit equal to 20% of qualified rehabilitation expenditures for historic properties listed on National...
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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24 programs are currently listed for Richmond, 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 Richmond, 16 programs do not require repayment, 2 are forgivable loans, and 5 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.