Find grants, rebates, forgivable loans, and free programs for Syracuse, NY, filtered to your situation.
As of June 2026, 55 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Syracuse, NY, with individual awards up to $126,526. 13 programs target seniors, 6 serve veterans, and 27 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 33 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 6 | 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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Teams of 3+ neighbors on the same block unlock 50% matching grants for exterior home improvements. Targets Tipperary Hil...
Syracuse Homeowner Assistance & Repair Program. Grants up to $3,000 for emergency exterior or interior repairs. Funded b...
Up to $20,000 for income-eligible City of Syracuse homeowners. Combines a deferred loan with a grant component, repaymen...
NYS HCR pilot grant for critical home repairs in areas of persistent housing discrimination. Home HeadQuarters administe...
6.99% fixed rate, 7-year term home improvement loan available to all NYS homeowners statewide. No upfront costs, no home...
1% interest loan, 7-year term for exterior home improvements. Available in Cicero, North Syracuse, Mattydale, East Syrac...
1% interest, 7-year loan for City of Syracuse Southside residents in the Sankofa District. Covers exterior improvements ...
1% interest, 7-year loan for homeowners in the Syracuse University Neighborhood. Covers interior and exterior improvemen...
Up to $50,000 for flood mitigation and energy upgrades. Half is a deferred grant forgiven at loan payoff, half is a 3% l...
Safe Housing Assistance Program for the Elderly. Free repairs up to $15,000 for homeowners age 62+ or permanently disabl...
Grants for accessibility improvements for disabled persons in Onondaga County (outside City of Syracuse). Covers exterio...
Onondaga County received $7M+ from HUD to remove lead-based paint hazards. Free lead testing, hazard reduction, and clea...
City of Syracuse program to reduce lead-based paint hazards in homes with young children. Supported by HUD and EPA grant...
Residential Emergency Services to Offer Home Repairs to the Elderly. Grants up to $20,000 for homeowners age 60+ to elim...
Grants to make permanent accessibility modifications for low- and moderate-income persons with disabilities. Income up t...
Expanded Access to Home program for veterans with disabilities. Covers accessibility modifications, emergency repairs, a...
No-cost energy improvements for income-eligible New Yorkers at or below 80% AMI. Free comprehensive home energy assessme...
New York was the first state to launch IRA-funded HEAR rebates. Up to $14,000 per household for heat pumps ($8,000), hea...
Upstate NY National Grid customers receive rebates on heat pumps, electric water heaters, smart thermostats, LED lightin...
Four HEAP benefit types for Onondaga County: (1) Regular HEAP pays heating bills directly to vendor. (2) Emergency HEAP ...
Free insulation, air sealing, furnace repair for households at or below 200% federal poverty level. Renters need landlor...
Syracuse Habitat for Humanity provides no-cost critical home repair services for low-income Onondaga County homeowners. ...
In-home repair service for Onondaga County homeowners age 60+. Volunteer labor for small health and safety repairs: plum...
Free volunteer-powered home repairs during National Rebuilding Month (April). Priority given to veterans, elderly, and d...
For veterans with permanent total service-connected disability. Buy, build, or modify home for wheelchair access, ramps,...
For veterans with certain severe service-connected disabilities (blindness, bilateral hand amputations). Adapt a home yo...
Most accessible VA grant, any service-connected disability qualifies. Up to $6,800 lifetime for service-connected condit...
NYS exemption reduces assessed property value by 15% for wartime service + 10% for combat zone service. Additional reduc...
Enhanced STAR provides greater school tax relief for homeowners age 65+ with income up to $107,300. In Syracuse, the exe...
Reduces assessed value of primary residence by up to 50% for qualifying seniors. Age 65+, income limits set locally. Sta...
20% NYS income tax credit on qualified rehabilitation expenses for homes listed on NY/National Registers of Historic Pla...
USDA grants up to $10,000 for age 62+ homeowners in eligible rural areas. Loans up to $20,000 at 1% over 20 years for ve...
Up to $25,000 for home improvements. Unsecured up to $7,500 (no equity required). No income limit. Fills the gap when gr...
Finance purchase + renovation in one loan. Limited 203(k) covers up to $75,000 non-structural repairs. Standard 203(k) f...
30% federal tax credit on solar panels, battery storage, and geothermal heat pumps. No income limit. Stackable with NYS ...
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...
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 ...
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 NYSERDA Comfort Home Program offers rebates to New York homeowners for insulation and air sealing improvements in on...
NYS Clean Heat provides rebates for the installation of cold-climate air-source heat pumps and ground-source heat pump s...
EmPower+ provides no-cost home energy upgrades to income-eligible New York households, including insulation, air sealing...
The NY-Sun Affordable Solar Residential Incentive provides enhanced per-watt rebates exclusively for income-eligible hou...
New York State's HOME Program uses federal HOME Investment Partnerships funds administered by HCR to help low-income hom...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
The City of Syracuse provides HOME-funded down payment assistance to income-qualified first-time homebuyers purchasing w...
The Central New York Workforce Development Board administers WIOA services for Onondaga County through NYS Department of...
The SBA Upstate New York District Office in Buffalo serves small businesses in Syracuse and Central New York with SBA 7(...
CenterState CEO, in partnership with the City of Syracuse and Onondaga County, administers small business loan programs ...
New York's Child Care Assistance Program (CCAP) provides subsidized child care to eligible low-income families statewide...
Assists income-eligible New York households with heating and cooling costs through regular and emergency benefits. Provi...
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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55 programs are currently listed for Syracuse, including Syracuse Neighborhood Block Challenge Program, SHARP Emergency Home Repair Grant, Urgent Care 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 Syracuse, 33 programs do not require repayment, 6 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.