Home Improvement Grants in Richmond.

Find grants, rebates, forgivable loans, and free programs for Richmond, IN, filtered to your situation.

As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Richmond, IN, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 13 require no income limit.

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Showing 26 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $8,000 in weatherization improvements

Indiana Weatherization Assistance Program (WAP)

State-administered federal program that provides free weatherization services to low-income households in Wayne County. ...

Weatherization
Forgivable loan up to $30,000

Richmond Owner-Occupied Rehabilitation Program

CDBG-funded program providing forgivable loans for major home repairs to income-qualified Richmond homeowners. Loan is f...

Home Repair
Grant up to $20,000

Richmond ADA/Accessibility Modification Program

Provides grants for accessibility modifications to Richmond homes occupied by persons with disabilities or seniors. Cove...

Seniors & Disability
Grant up to $5,000

Richmond Sanitary Sewer Lateral Assistance

Provides cost-share grants to help Richmond homeowners repair or replace failing sanitary sewer laterals on private prop...

Home Repair
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Program

USDA program offering low-interest loans and grants to very-low-income rural homeowners (including areas around Richmond...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Av...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Helps veterans with certain service-connected disabilities adapt a home to accommodate their disability. Available to ve...

Veterans
Varies by project, up to $50,000

Indiana HOME Investment Partnerships Program

Federal HOME funds administered through Indiana to provide owner-occupied rehabilitation assistance. Typically structure...

Home Repair
Up to $700 rebate

Duke Energy Indiana HVAC Rebate

Rebates for Duke Energy Indiana residential customers who install qualifying high-efficiency central air conditioners or...

Energy
Up to $100 rebate

Duke Energy Smart Thermostat Rebate

Rebate for Duke Energy Indiana customers who purchase and install a qualifying ENERGY STAR certified smart thermostat. S...

Energy
Up to $550 rebate

Duke Energy Heat Pump Water Heater Rebate

Rebate for Duke Energy Indiana customers who install an ENERGY STAR certified heat pump water heater. Heat pump water he...

Energy
Up to $400 rebate

Duke Energy Insulation & Air Sealing Rebate

Rebate for Duke Energy Indiana customers who add insulation and air sealing to their homes. Requires a pre-work energy a...

Weatherization
Up to $1,250 rebate

Duke Energy Indiana Solar Rebate Program

Rebate for Duke Energy Indiana customers who install qualifying grid-tied solar photovoltaic systems. Rebate is $250 per...

Solar/Renewable
Free lead hazard removal for qualifying homes

Indiana Lead-Based Paint Hazard Reduction

State program funded by HUD to identify and remediate lead-based paint hazards in homes built before 1978 where children...

Home Repair
Up to $5,000 grant

Indiana Next Home Program

Down payment assistance grant for first-time homebuyers purchasing in Indiana. Must be used in conjunction with an IHCDA...

Homebuyer
Grant up to $10,000

Richmond Senior Home Repair Grant

Targeted CDBG grant program for Richmond homeowners age 62 and older needing critical home repairs. Covers emergency rep...

Seniors & Disability
Assessment fee: $75 (valued at $500)

Duke Energy Indiana Home Energy Assessment

Comprehensive home energy assessment by a certified professional for Duke Energy Indiana customers. Identifies energy sa...

Energy
Varies, typically up to $900

Indiana Low-Income Home Energy Assistance (LIHEAP)

Federal program helping low-income households with home heating and cooling costs. Provides direct payment to utility co...

Energy
Grant up to $6,000

Richmond Emergency Furnace Replacement

Emergency CDBG grant for Richmond homeowners facing imminent health or safety risk due to non-functioning heating system...

Emergency
Up to $12,480 assessed value deduction

Indiana Over 65 Property Tax Deduction

Indiana property tax deduction for homeowners age 65 or older. Reduces assessed value of property by up to $12,480, lowe...

Property Tax Relief
Up to $12,480 assessed value deduction

Indiana Disability Property Tax Deduction

Indiana property tax deduction for homeowners who are unable to engage in gainful employment because of a disability. Re...

Property Tax Relief
20% state tax credit on qualified expenses

Indiana Historic Preservation Tax Credit

State income tax credit equal to 20% of qualified rehabilitation expenditures for historic properties listed on National...

Historic

💡 Stack programs to maximize your savings

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.

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