Find grants, rebates, forgivable loans, and free programs for Saratoga Springs, NY, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Saratoga Springs, NY, with individual awards up to $126,526. 7 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 | 19 | 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 administered by NYS to improve energy efficiency in income-eligible homes through insulation, a...
CDBG-funded program providing forgivable loans to low and moderate-income homeowners for major home repairs and rehabili...
Provides emergency repair grants for owner-occupied households facing urgent health and safety hazards. Priority given t...
HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978 where children under 6 ...
Rebates for installation of qualifying air-source and ground-source heat pumps in National Grid service territory. Incen...
Comprehensive energy efficiency services at no cost for income-qualified households including air sealing, insulation, L...
Performance-based incentives for comprehensive home energy efficiency improvements. Program includes energy audit, contr...
No-cost comprehensive home energy efficiency services for income-qualified households including air sealing, insulation,...
Financial incentives for residential solar photovoltaic installations in New York State. Incentive amount varies by regi...
State income tax credit equal to 20% of qualified rehabilitation expenditures for owner-occupied homes listed on State o...
HUD HOME funds administered by Saratoga County for owner-occupied home rehabilitation for low and moderate-income househ...
Grant funding for accessibility modifications to owner-occupied homes where a household member has a documented disabili...
Grant program for senior homeowners age 62+ to address home repairs and safety improvements. Covers repairs needed to ma...
Low-interest loans and grants for very low-income homeowners to repair, improve, or modernize homes in eligible rural ar...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet accessibility nee...
Grant for veterans with certain service-connected disabilities to adapt a family member's home where they reside. Also f...
Financial assistance for income-qualified homeowners to repair or replace private water service laterals from the home t...
Forgivable loan program for homeowners to repair or replace failing private sewer laterals. Loan forgiven after 3 years ...
School Tax Relief program providing property tax exemption or credit for owner-occupied primary residences. Basic STAR f...
Partial property tax exemption for senior homeowners age 65+ with qualifying income. Exemption percentage based on incom...
Rebates for installation of qualifying insulation in attics, walls, basements, and crawl spaces. Must meet minimum R-val...
Rebate for purchase and installation of qualifying ENERGY STAR certified smart thermostats. Must be internet-enabled and...
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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26 programs are currently listed for Saratoga Springs, 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 Saratoga Springs, 19 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.