Find grants, rebates, forgivable loans, and free programs for Stillwater, OK, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Stillwater, OK, with individual awards up to $126,526. 7 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 | 14 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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 weatherization program administered by Oklahoma DHS to reduce energy costs for low-income households. Services i...
Down payment and closing cost assistance for first-time homebuyers in Stillwater. Provides up to $7,500 as a forgivable ...
CDBG-funded program providing forgivable loans for major home repairs to low-income owner-occupants in Stillwater city l...
Emergency grant for urgent home repairs that pose immediate health or safety threats to very low-income homeowners in St...
Provides accessibility modifications for low-income Stillwater homeowners with disabilities or elderly residents. Includ...
HUD-funded program to identify and remove lead-based paint hazards in Payne County homes built before 1978 with children...
USDA program providing loans up to $27,500 and grants up to $10,000 (for seniors 62+) to very low-income homeowners in e...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home with special features needed ...
Grant for veterans with certain service-connected disabilities to adapt a home. Available for veterans who are blind in ...
Rebate for OG&E residential customers who install qualifying high-efficiency heat pumps or central air conditioning syst...
Rebate for OG&E customers who purchase and install a qualifying smart thermostat. Eligible models include Nest, Ecobee, ...
Rebate for OG&E customers who add insulation to attics, walls, or crawl spaces, or perform professional air sealing. Pro...
Rebate for OG&E residential customers who install ENERGY STAR® certified heat pump water heaters. Heat pump water heater...
Rebate for ONG residential customers who install qualifying high-efficiency natural gas furnaces with AFUE rating of 95%...
Rebate for ONG customers who install a qualifying natural gas tankless water heater with Energy Factor (EF) of 0.82 or h...
Federal tax credit equal to 30% of the cost of installing a residential solar photovoltaic (PV) system. Available for in...
Oklahoma homestead exemption that freezes property valuation for property tax purposes for homeowners age 65 or older. O...
Oklahoma homestead exemption that reduces the assessed value of an owner-occupied primary residence by up to $2,000 for ...
Additional property tax exemption for Oklahoma homeowners age 65 or older with household income below $20,000 (2024 limi...
Assistance for low-income Stillwater homeowners needing to repair or replace failing sewer lateral lines from home to ci...
Federal HOME funds administered by OHFA to rehabilitate owner-occupied homes for low-income households. Provides forgiva...
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 Stillwater, 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 Stillwater, 14 programs do not require repayment, 4 are forgivable loans, and 6 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.