Find grants, rebates, forgivable loans, and free programs for Tampa, FL, filtered to your situation.
As of June 2026, 33 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Tampa, FL, with individual awards up to $126,526. 8 programs target seniors, 4 serve veterans, and 14 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 23 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 1 | Refunded to you after purchase | Energy-efficiency upgrades |
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The City of Tampa HRRP provides forgivable deferred loans for critical home repairs to low-income homeowners within Tamp...
The Healthy Homes Program uses $1.9 million in federal grant funding to rehabilitate homes of low-income Tampa residents...
Hillsborough County's OOR Program provides interest-free deferred payment loans to rehabilitate homes of low-income resi...
The My Safe Florida Home Program provides free wind mitigation inspections and matching grants for hurricane-hardening i...
Florida PACE allows homeowners to finance energy-efficient and hurricane-resistant improvements through a fixed assessme...
The Florida WAP provides free energy-efficiency improvements to low-income homes in Tampa and Hillsborough County throug...
Tampa Electric offers rebates to residential customers who replace old HVAC systems with qualifying energy-efficient uni...
Tampa Electric's Neighborhood Weatherization Program provides free energy-efficiency improvements to income-eligible TEC...
SHIP funds are distributed to Tampa and Hillsborough County to create and preserve affordable homeownership through reha...
Habitat for Humanity of Hillsborough County's Home Preservation program provides free minor exterior repairs and accessi...
The VA SAH grant (up to $126,526) helps veterans with severe service-connected disabilities build, buy, or modify a home...
The HISA grant provides veterans with medically necessary home modifications to improve accessibility and accommodate di...
Florida homeowners using their property as a primary residence qualify for the Homestead Exemption, reducing assessed va...
Florida provides property tax relief for disabled veterans beyond the standard homestead exemption. Veterans with a VA-c...
The FHA Title I Program insures loans by private lenders for home improvements, making financing accessible even without...
LIHEAP helps low-income Tampa and Hillsborough households pay energy bills and may cover HVAC repair or replacement. Ben...
Tampa's Homeowner Hurricane Assistance Program provided up to $30,000 in SHIP-funded assistance to income-eligible homes...
USDA Section 504 provides repair loans at 1% interest (20-year term) and grants of up to $10,000 for very low-income rur...
VITA sites provide free IRS-certified tax preparation to low- and moderate-income Tampa residents, helping them claim al...
Hillsborough County receives annual CDBG allocations from HUD to fund housing rehabilitation, homeowner assistance, and ...
FEMA HMGP provides grants to reduce future disaster losses through projects like home elevation, flood proofing, and win...
Tampa's HDAP provided three tiers of SHIP-funded hurricane disaster relief: Insurance Deductible Assistance (up to $10,0...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
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 ...
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 Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Tampa's Down Payment Assistance Program provides forgivable deferred loans up to $14,999 to income-qualified first-time ...
CareerSource Tampa Bay administers WIOA-funded services for Hillsborough County through American Job Centers in Tampa. I...
The SBA North Florida District Office serves small businesses in Tampa and the Tampa Bay region with SBA 7(a) loans, 504...
The City of Tampa supports small businesses through its Economic Development Division, offering the Small Business Capit...
Florida's School Readiness (SR) program provides child care subsidies to low-income working families through the state's...
The Early Learning Coalition of Hillsborough County administers Head Start and Early Head Start programs in the Tampa Ba...
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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33 programs are currently listed for Tampa, including City of Tampa Housing Rehabilitation & Renovation Program (HRRP), City of Tampa Healthy Homes Program, Hillsborough County Owner-Occupied Rehabilitation (OOR) 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 Tampa, 23 programs do not require repayment, 4 are forgivable loans, and 1 is rebate.
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.