Find grants, rebates, forgivable loans, and free programs for St. Joseph, MO, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in St. Joseph, MO, with individual awards up to $126,526. 6 programs target seniors, 2 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 | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | 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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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...
Federal and state funded program that provides free weatherization improvements to income-eligible Missouri households. ...
MHDC provides down payment assistance and below-market interest rate mortgages for first-time homebuyers in Missouri. In...
USDA provides low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners in eligible rural...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their accessibility needs. ...
Helps veterans with certain service-connected disabilities adapt a family member's home or their own home for accessibil...
Provides major rehabilitation assistance to low- and moderate-income homeowners in St. Joseph city limits. Forgivable lo...
Provides grants for accessibility modifications to enable seniors and persons with disabilities to remain safely in thei...
Provides minor home repair and maintenance assistance to low-income seniors age 60 and older in St. Joseph to help them ...
Assists low-income homeowners with the cost of repairing or replacing private sewer lateral lines from the home to the p...
Professional energy auditor visits your home to identify energy-saving opportunities. Includes infrared imaging, blower ...
Professional HVAC technician performs comprehensive air conditioning system tune-up for only $50. Service includes clean...
Rebates for installation of qualifying high-efficiency electric heat pumps. Rebate amounts vary based on system efficien...
Rebate for adding insulation to attics, walls, or crawl spaces in existing homes. Reduces heating and cooling costs by i...
Rebate for purchasing and installing a qualifying smart thermostat. Smart thermostats automatically optimize heating and...
Instant discounts on ENERGY STAR certified LED light bulbs at participating retailers in St. Joseph. LED bulbs use 75% l...
Rebate for installation of qualifying high-efficiency electric water heaters or heat pump water heaters. Heat pump water...
Comprehensive weatherization rebate package covering air sealing, duct sealing, and other envelope improvements. Reduces...
State program providing free lead testing, risk assessments, and abatement services for Missouri homes with children und...
State property tax credit for qualifying seniors age 65+ and 100% disabled individuals with low income. Credit reduces p...
State-administered disaster recovery assistance following federally declared disasters. Provides grants and low-interest...
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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24 programs are currently listed for St. Joseph, 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 St. Joseph, 15 programs do not require repayment, 1 is forgivable loan, 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.