Find grants, rebates, forgivable loans, and free programs for Rochester, NY, filtered to your situation.
As of June 2026, 53 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Rochester, NY, with individual awards up to $541,287. 12 programs target seniors, 6 serve veterans, and 23 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 38 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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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City-funded and HUD CDBG-funded program providing financial assistance to eligible owner-occupants of 1-4 family residen...
Provides financial assistance for roof replacement, gutters, downspouts, chimney repair, soffits, and venting for eligib...
Financial assistance to remediate lead hazards in pre-1978 residential properties in Rochester. Eligible work includes w...
City program providing repair assistance to low-income owner-occupants in Rochester to address health, safety, or access...
Monroe County CDBG-funded program providing grants or grant/low-interest loan combinations to income-eligible homeowners...
PathStone provides grants and loans to low- and moderate-income homeowners in Monroe, Genesee, Ontario, Orleans, and Way...
Since 1971, the Housing Council at PathStone has provided housing-related services to over 8,000 households annually in ...
Affordable home repair for qualified homeowners in Monroe, Ontario, and Wayne counties. Focuses on health, safety, and a...
Federally-funded Energy Conservation Program providing free weatherization services to low-income households in the City...
RG&E offers instant discounts on energy-efficient heating and cooling products at participating retailers plus heat pump...
Federal LIHEAP-funded program helping income-eligible Monroe County residents pay heating costs. Regular and Emergency H...
GRHP has rehabilitated over 800 vacant houses in the City of Rochester for sale to income-eligible first-time homebuyers...
PathStone's HOME Rochester program uses a three-pronged approach (Acquire, Rehabilitate, Sell) to revitalize Rochester n...
CASH Coalition operates free VITA tax preparation sites throughout Monroe County for income-eligible persons. Ensures lo...
State program providing grants to senior homeowners age 60+ for emergency repairs and code violations threatening health...
State program providing financial assistance for home modifications enabling persons with disabilities to live safely an...
NYSERDA's flagship energy assistance program providing no-cost home energy assessments and improvements for income-eligi...
Federal Inflation Reduction Act funding administered by NYSERDA providing rebates up to $14,000 per dwelling for heat pu...
Federally-funded program administered by HCR providing free weatherization services to reduce heating and cooling costs ...
The School Tax Relief (STAR) program lowers property taxes for eligible New York homeowners. In Rochester, STAR applies ...
Enhanced STAR provides a larger property tax benefit for homeowners age 65+ with household income of $98,700 or less. Se...
Property tax exemption for veteran homeowners reducing assessed value by 15% for wartime service, plus 10% for combat zo...
Property tax exemption reducing taxable assessment by up to 50-65% for homeowners age 65+ who meet income limitations. E...
State income tax credit equal to 20% of qualified rehabilitation expenses for owner-occupied homes listed on the Nationa...
Low-income first-time homebuyer program offering 30-year fixed-rate mortgages with just 3% down (1% from buyer). Down Pa...
State-funded program providing financial assistance through local administrators for home repairs addressing code violat...
Largest VA housing grant for veterans with qualifying service-connected disabilities. Up to $126,526 in FY 2026 to buy, ...
VA grant for veterans with qualifying service-connected disabilities including blindness or severe burns. Up to $25,350 ...
VA grant for home modifications prescribed by a VA physician for disabled veterans. Lifetime benefit of $6,800 for servi...
Grant for SAH or SHA-eligible veterans living temporarily in a family member's home. Allows adapting a temporary residen...
USDA program providing loans at 1% interest to very-low-income homeowners in rural areas and grants to homeowners 62+ to...
FHA-insured loan for home improvements through private lenders. Up to $25,000 for single-family homes with terms up to 2...
FHA-insured mortgage combining home purchase or refinance with renovation costs in one loan. Limited 203(k) covers up to...
Federal tax credit for residential solar panels, battery storage, and geothermal installations expired after December 31...
Federal tax credit for energy-efficient home improvements including insulation, windows, doors, and HVAC systems expired...
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 ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
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...
The NYSERDA Comfort Home Program offers rebates to New York homeowners for insulation and air sealing improvements in on...
NYS Clean Heat provides rebates for the installation of cold-climate air-source heat pumps and ground-source heat pump s...
EmPower+ provides no-cost home energy upgrades to income-eligible New York households, including insulation, air sealing...
The NY-Sun Affordable Solar Residential Incentive provides enhanced per-watt rebates exclusively for income-eligible hou...
New York State's HOME Program uses federal HOME Investment Partnerships funds administered by HCR to help low-income hom...
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 Upstate New York District Office in Buffalo serves small businesses in Rochester and the region with SBA 7(a) lo...
The City of Rochester supports small businesses through the Office of Innovation and Strategic Initiatives, offering gra...
The Finger Lakes Workforce Development Board administers WIOA funds for Monroe County through American Job Centers in Ro...
New York's Child Care Assistance Program (CCAP) provides subsidized child care to eligible low-income families statewide...
Action for a Better Community and Rochester City School District operate Head Start and Early Head Start programs in Mon...
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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53 programs are currently listed for Rochester, including City of Rochester Housing Rehabilitation Program, City of Rochester Owner-Occupant Roof Program, Rochester Lead Hazard Control Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Rochester, 38 programs do not require repayment, 3 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.