Find grants, rebates, forgivable loans, and free programs for Richmond, VA, filtered to your situation.
As of June 2026, 45 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Richmond, VA, with individual awards up to $126,526. 12 programs target seniors, 8 serve veterans, and 21 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 38 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 1 | Refunded to you after purchase | Energy-efficiency upgrades |
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Essential health and safety repairs for owner-occupants: HVAC, roof, plumbing, electrical, accessibility modifications, ...
Federal CDBG funds ($4.46M FY20) administered through Richmond HCD and partner nonprofits for residential rehabilitation...
HUD HOME funds ($1.46M FY20) for homeowner rehabilitation and reconstruction in Richmond. Delivered through approved par...
No-cost critical home repairs for income-qualified homeowners in Richmond, Chesterfield, Henrico, Colonial Heights, Hope...
Free insulation, air sealing, HVAC improvements, leak repairs, low-flow toilets, LED lighting for 30+ Central Virginia c...
Critical Home Repair Program (CDBG-funded): roof repair, HVAC, mold remediation, plumbing, wheelchair ramps, tub-to-show...
Critical home repairs and neighborhood revitalization for income-qualified homeowners in Richmond metro area. HOME and C...
No-cost installation of LED bulbs, insulation, air/duct sealing, heat pump tune-ups, water heater improvements, pipe ins...
Bill payment assistance up to $600 (heating) or $300 (cooling) for any Dominion customer facing hardship. No income rest...
Instant rebates on heat pump water heaters ($250-$400), variable speed pool pumps ($300), smart thermostats ($50 each), ...
Free insulation, air sealing, furnace repair/replacement, and energy audits for households at or below 200% FPL. In the ...
Grants up to $8,000 for accessibility modifications to the homes of veterans, active military, and permanently disabled ...
Non-repayable grant of 2.5% of purchase price for first-time homebuyers (and qualifying repeat buyers) using a Virginia ...
Enhanced down payment grant for active-duty military and veterans using a Virginia Housing mortgage. Reduces barrier to ...
For veterans with permanent, total service-connected disability. Buy, build, or modify home for wheelchair access, roll-...
For veterans with loss of use of both hands, certain severe burns, or respiratory injuries. Buy, build, or modify perman...
Most accessible VA home grant, any service-connected disability qualifies. Covers ramps, grab bars, accessible bathrooms...
25% state income tax credit on qualified rehabilitation expenses for certified historic structures. Applies to owner-occ...
30% federal tax credit on insulation, doors, windows, HVAC, heat pumps, water heaters, home energy audits. Annual caps: ...
30% federal tax credit on solar panels, battery storage, geothermal, solar water heaters, wind systems, fuel cells. No a...
Finance a fixer-upper purchase and renovation in one loan. Limited 203(k) covers up to $75,000 in non-structural repairs...
Up to $25,000 for home improvements. Unsecured up to $7,500 (signature only, no equity required). No income limit. Fills...
Grants up to $10,000 for homeowners age 62+ in eligible rural areas. Loans up to $40,000 at 1% interest. Check USDA elig...
Federal LIHEAP funding through Virginia DSS pays heating and cooling costs, freeing money for home repairs. Income at or...
Henrico County administers federal CDBG and HOME funds for homeowner rehabilitation and repair through the Community Rev...
Dedicated homeowner rehabilitation and repair assistance program through Henrico Community Revitalization. Targets healt...
Chesterfield County provides home repair and housing assistance through DSS and community partners including project:HOM...
Richmond Redevelopment & Housing Authority (600 E Broad St) administers homeownership and resident self-sufficiency prog...
Richmond AHTF provides gap financing for affordable housing production and preservation. Nonprofits and developers apply...
Virginia Code §58.1-3210 allows localities to exempt or defer real estate taxes for residents 65+ or permanently disable...
Virginia Constitution Article X, Section 6-A: 100% real property tax exemption for veterans with 100% service-connected ...
Virginia Medicaid Home and Community Based Services (HCBS) waivers fund home modifications: ramps, grab bars, roll-in sh...
Free IRS-certified tax preparation through United Way of Greater Richmond & Petersburg VITA sites. Ensures homeowners pr...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
The SBA Virginia District Office in Richmond serves small businesses across Virginia with SBA 7(a) loans, 504 loans for ...
Richmond's Department of Economic Development supports small businesses through technical assistance, business developme...
Virginia's Child Care Subsidy Program provides financial assistance to low-income working families to help cover child c...
Head Start and Early Head Start programs in Richmond serve low-income families with comprehensive early childhood servic...
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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45 programs are currently listed for Richmond, including Richmond Healthy Homes Program, Richmond CDBG Home Rehabilitation, Richmond HOME Investment Partnership.
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, 38 programs do not require repayment, 1 is forgivable loan, and 1 is rebate.
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.