Find grants, rebates, forgivable loans, and free programs for Schenectady, NY, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Schenectady, NY, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 8 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | 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...
Provides forgivable loans for major home repairs to income-qualified owner-occupants in Schenectady. Loan is forgiven af...
Grant program for income-qualified Schenectady homeowners to make accessibility modifications for household members with...
Grant program for Schenectady homeowners age 62 and older with limited income to address critical home repairs and safet...
Low-interest loan program for Schenectady property owners to repair or replace failing sewer lateral lines from the home...
Federally funded program administered by New York State providing free energy efficiency improvements to income-qualifie...
State-funded program to identify and remediate lead-based paint hazards in homes built before 1978 with children under a...
NYSERDA-funded energy assessment and rebate program for National Grid gas and electric customers. Includes a comprehensi...
Rebate program for homeowners installing air-source or ground-source heat pumps through National Grid's Clean Heat initi...
State solar incentive program offering per-watt rebates for residential solar installations in Schenectady. Incentive am...
Federal program providing low-interest loans and grants to very-low-income homeowners in eligible rural areas of Schenec...
Grant for veterans with certain severe service-connected disabilities to construct or modify a home to accommodate their...
Grant for veterans with certain service-connected disabilities to adapt a home to meet their needs. Qualifying disabilit...
Federal HOME funds administered by the City of Schenectady to rehabilitate owner-occupied housing for low-income househo...
New York State program providing forgivable loans to moderate-income homeowners to rehabilitate their primary residence....
No-cost energy efficiency improvements for income-qualified National Grid customers. Includes LED lighting, insulation, ...
New York State program providing one-time heating assistance grants to low-income households during heating season. Emer...
New York State School Tax Relief (STAR) program provides property tax exemption for primary residences. Enhanced STAR av...
Local property tax exemption for Schenectady residents age 65+ with qualifying income. Provides 5% to 50% reduction in a...
Property tax exemption for Schenectady homeowners with disabilities who are unable to engage in substantial gainful empl...
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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23 programs are currently listed for Schenectady, 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 Schenectady, 15 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.