Find grants, rebates, forgivable loans, and free programs for Smithtown, NY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Smithtown, NY, with individual awards up to $126,526. 6 programs target seniors, 3 serve veterans, and 13 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 | 2 | 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 free energy efficiency improvements including insulation, air sealing, furnace repair/replacement, and health a...
Provides deferred-payment, 0% interest loans for essential home repairs to owner-occupied single-family homes in Suffolk...
Provides grants for home modifications that improve accessibility for residents with physical disabilities. Eligible imp...
Provides rebates for energy-efficient home upgrades including heat pumps (up to $3,000), insulation, air sealing, and sm...
Provides rebates for air-source and ground-source heat pump installations to replace fossil fuel heating systems. Enhanc...
Provides upfront incentives for installing residential solar photovoltaic systems. Incentive amount is based on system s...
Provides free lead hazard evaluation and remediation for homes built before 1978 with children under age 6 or pregnant w...
Provides low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or mode...
Provides grants to veterans with certain service-connected disabilities to construct or modify a home to meet their acce...
Provides grants to veterans with certain service-connected disabilities to adapt a home for accessibility. Eligible for ...
Provides financial assistance to help eligible low-income households pay heating costs during winter months. Regular ben...
Provides grants to replace outdated cesspools and septic systems with advanced nitrogen-reducing systems to protect grou...
Provides comprehensive no-cost energy efficiency improvements to income-qualified customers including insulation, air se...
Reduces assessed value of primary residence by 5% to 50% for homeowners age 65 or older. Exemption percentage based on i...
Provides 20% state tax credit for qualified rehabilitation of income-producing historic properties and owner-occupied ho...
Provides property tax exemptions for veterans with service-connected disabilities. Exemption percentage ranges from 5% t...
Reduces school property tax bills for owner-occupied primary residences. Basic STAR available to all homeowners with inc...
Provides enhanced incentives for comprehensive home energy upgrades for moderate-income households. Starts with whole-ho...
Provides grants to reduce or eliminate long-term risk of flood damage to buildings insured under the National Flood Insu...
Provides rebates for natural gas customers who install energy-efficient heating equipment, water heaters, and home weath...
Provides loans to property owners to rehabilitate rental housing units for occupancy by low- and moderate-income househo...
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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25 programs are currently listed for Smithtown, 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 Smithtown, 19 programs do not require repayment, 2 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.