Find grants, rebates, forgivable loans, and free programs for Springfield, MO, filtered to your situation.
As of June 2026, 44 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Springfield, MO, with individual awards up to $541,287. 14 programs target seniors, 6 serve veterans, and 21 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 33 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | 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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CDBG-funded deferred loan program for critical home repairs within Springfield city limits. Partners with Drew Lewis Fou...
HOME-funded down payment assistance for first-time homebuyers purchasing within Springfield city limits. Approximately $...
Community-based matching grant encouraging exterior home improvements in select historic neighborhoods. Neighbor teams o...
Dollar-for-dollar matching grant for senior homeowners aged 60+ in select Springfield neighborhoods. Focuses on accessib...
Down payment grant of $9,000 for first-time homebuyers purchasing in eligible Springfield neighborhoods. Part of Restore...
Home repair program providing $200-$15,000 in repairs for low-income homeowners in Greene County. Includes A Brush with ...
Free home repair services for low-income homeowners across southern Missouri. Construction staff assess repair needs and...
Free weatherization services including attic, wall, and floor insulation plus air sealing for income-qualifying homeowne...
Federal energy assistance helping low-income households with heating and cooling costs. Heating benefits $153-$495; wint...
Home repair program serving approximately 100 Greene County seniors annually. Projects include access ramp construction,...
Housing services including Springfield Community Land Trust providing permanently affordable land and housing, plus supp...
Municipal utility rebates for energy-efficient HVAC equipment. Up to $500 for central AC or heat pump, $400 for gas furn...
20% rebate on the total cost of insulation upgrades for City Utilities customers, with a maximum rebate of $500. Part of...
Rebate for installing a home EV charger or adding EV-ready wiring through City Utilities Smart Solutions program. Helps ...
Statewide program offering below-market mortgage rates plus up to 4% of the first mortgage amount as a forgivable second...
Federally funded, state-administered weatherization program reducing energy costs for low-income households. Income limi...
State tax credit returning a portion of property taxes or rent paid by persons 65+ or disabled individuals age 18-64 rec...
State tax credit equal to 25% of qualified rehabilitation expenditures on certified historic structures, or 35% for prop...
Property tax freeze for seniors 65+ and disabled homeowners with household income of $125,000 or less. Effective 2026, e...
Statewide home repair grants administered through local agencies for income-qualifying Missouri homeowners. MHDC does no...
Federal loans up to $40,000 at 1% interest and grants up to $10,000 for very-low-income homeowners in eligible rural are...
FHA-insured loan for home improvements up to $25,000 for single-family homes. Loans up to $7,500 require only a signatur...
Single mortgage combining home purchase (or refinance) with renovation costs. Standard 203(k) for major renovations; Lim...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home for wheelchair accessibil...
Grant for veterans with specific service-connected disabilities (blindness, loss of hands, severe burns, respiratory inj...
Lifetime grant for medically necessary home modifications prescribed by a VA physician. Up to $6,800 for service-connect...
Federal tax credit for energy-efficient home improvements completed by December 31, 2025. Up to $1,200 for insulation/wi...
30% federal tax credit for residential clean energy systems installed by December 31, 2025. Covers solar panels, solar w...
Lead exposure prevention program offering testing referrals and remediation guidance for homes built before 1978 in Spri...
Community-funded utility assistance program for City Utilities customers experiencing financial hardship. Funded by volu...
Free tax preparation for households earning $67,000 or less. Helps claim property tax credits, rental rebates, energy cr...
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...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
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...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Ozarks Workforce Development Board administers WIOA services through Missouri Job Centers in Springfield. Individual...
The SBA Missouri District Office in St. Louis serves small businesses in Springfield and across Missouri with SBA 7(a) l...
The City of Springfield's Department of Economic Development offers low-interest business loans through the Springfield ...
Missouri's Child Care Subsidy Program provides financial assistance to low-income families to help pay for child care wh...
Ozarks Area Community Action Corporation (OACAC) operates Head Start and Early Head Start programs in Springfield and Gr...
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.
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44 programs are currently listed for Springfield, including Homeowner Emergency Loan Program (HELP), Springfield HOME Down Payment Assistance, Restore SGF Block Challenge Grant.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Springfield, 33 programs do not require repayment, 4 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.