Find grants, rebates, forgivable loans, and free programs for St. Louis, MO, filtered to your situation.
As of June 2026, 44 home improvement grant, rebate, and forgivable loan programs are open to homeowners in St. Louis, MO, with individual awards up to $172,500. 12 programs target seniors, 6 serve veterans, and 21 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 34 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 0 | Refunded to you after purchase | Energy-efficiency upgrades |
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City of St. Louis flagship home repair program. Code, health, and safety repairs. Under $10K: 5-year forgivable loan. Ov...
Free minor repairs for seniors 60+ or persons with disabilities in St. Louis City. Covers safety/security (locks, lights...
For St. Louis City homeowners age 60 or older. Covers heating/cooling system repair, plumbing, electrical, interior/exte...
City of St. Louis allocated $1.9M in CDBG funds for the Home Repair Program Loan Pool in FY2026, plus $800K to Mission: ...
Forgivable loans of $5,000-$50,000 for exterior facade improvements on commercial properties in LMI areas, Metrolink cor...
CDBG-funded home improvement grants available to homeowners in participating St. Louis County municipalities. Covers fur...
100% free home repairs up to $15,000. Covers roofing, gutters, siding, windows, doors, tuck-pointing, concrete, electric...
Minor Home Repair Program addressing critical health, safety, energy, and accessibility needs for City of St. Louis home...
Free home repairs for low-income homeowners in St. Louis City and County. As of July 2025, accepting new applications on...
Following the May 16, 2025 tornado in North St. Louis, $2.5M Rams Settlement funds were deployed for Vacant Unit Turns: ...
$3.6M HUD Lead Hazard Reduction Grant for 240 housing units in St. Louis City. Covers lead inspection, risk assessment, ...
MHDC uses its annual HOME allocation for non-cosmetic home repairs for income-qualifying single-family homeowners across...
Free weatherization for households at or below 200% Federal Poverty Level. Covers insulation, air sealing, heating syste...
Spire (natural gas utility serving most of St. Louis) funds no-cost weatherization for qualifying customers on fixed/lim...
Free whole-home energy efficiency upgrades for income-eligible Ameren Missouri electric customers. Covers HVAC upgrades,...
Federally funded heating/cooling bill assistance freeing up household funds for home improvement. St. Louis City: Urban ...
25% state tax credit on qualified rehabilitation costs for certified historic structures in St. Louis (35% outside STL/K...
25% state tax credit on eligible costs for rehabilitation or new construction of owner-occupied homes in qualifying low-...
Refundable tax credit for senior citizens (65+) and 100% disabled individuals. Effective January 1, 2026: income limit f...
New Missouri law effective January 1, 2026. Veterans with service-connected disabilities receive property tax exemptions...
For veterans with permanent total service-connected disability (e.g., loss of use of both legs, blindness). Buy, build, ...
For veterans with service-connected blindness or severe burn injuries. Adapt existing home for independent living. Up to...
Most accessible VA home modification grant, available for any service-connected disability. Covers ramps, grab bars, rol...
Finance home purchase + renovation in one FHA-insured loan. Limited 203(k) covers up to $75,000 non-structural repairs (...
HUD-insured home improvement loan up to $25,000. No equity required. Unsecured up to $7,500 (signature only). For habita...
USDA loan up to $40,000 at 1% interest over 20 years for very-low-income homeowners. Grant up to $10,000 (lifetime) for ...
30% federal tax credit on solar panels, battery storage, geothermal heat pumps, and small wind. No cap on credit. Claime...
Free tax prep to ensure homeowners claim all available credits (NPA, Historic Tax Credit, Circuit Breaker, etc.). United...
The Housing Partnership received $172,500 in FY2026 CDBG funds for Down Payment Assistance in the City of St. Louis. Hel...
St. Louis CDFI offering credit-building, home loans, small business loans, and financial coaching for low-to-moderate in...
CAASTLC is the one-stop agency for St. Louis County energy assistance and weatherization. Administers Missouri WAP (free...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
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...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
SLATE is St. Louis City's workforce development agency, administering WIOA-funded Individual Training Accounts and caree...
The SBA Missouri District Office in St. Louis serves small businesses throughout Missouri with SBA 7(a) loans, 504 loans...
The St. Louis Development Corporation (SLDC) offers small business loans through the St. Louis Small Business Loan Fund ...
Missouri's Child Care Subsidy Program provides financial assistance to low-income families to help pay for child care wh...
Head Start and Early Head Start programs in St. Louis serve low-income families with comprehensive services including ea...
The City of St. Louis Emergency Home Repair Program provides grants to income-qualified homeowners for urgent health and...
Free or low-cost HUD-approved housing counseling and homebuyer education provided by Beyond Housing, a HUD-approved agen...
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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44 programs are currently listed for St. Louis, including Healthy Home Repair Program (HHRP), M:STL Minor Home Repair Program, Senior Minor Home Repair Program.
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. Louis, 34 programs do not require repayment, 3 are forgivable loans, and 0 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.