Find grants, rebates, forgivable loans, and free programs for Toledo, OH, filtered to your situation.
As of June 2026, 49 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Toledo, OH, with individual awards up to $541,287. 9 programs target seniors, 8 serve veterans, and 22 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 37 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | 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 Home Rescue owner-occupied rehabilitation program assists low-to-moderate income Toledo homeowners with fixing housi...
Provides low-to-moderate income Toledo homeowners with financial assistance and construction management for roof repair ...
Grants for landlords and homeowners with pre-1978 properties in Toledo providing 100% reimbursement of lead stabilizatio...
Toledo City Council established this program to give community members direct input into neighborhood improvements, with...
The Community Housing Impact and Preservation program offers no-cost home repairs and rehabilitations to income-eligible...
Provides Lucas County homeowners with free home visits, general maintenance advice, and access to low-interest home impr...
Helps low-to-moderate income homeowners in Lucas County receive necessary health and safety repairs. Applicants pay only...
Ohio's Home Weatherization Assistance Program helps low-income residents reduce energy use and increase home comfort. Se...
LISC Toledo rehabilitates previously vacant single-family homes in downtown Toledo neighborhoods and sells them to incom...
Free IRS-certified tax preparation for individuals and families earning under $67,000. Maximizes refunds including EITC ...
State-funded program through the Ohio Department of Aging providing minor home repairs and modifications for eligible ol...
Formerly WSOS Community Action, GLCAP provides weatherization and home repair services for low-income residents in the T...
Toledo Edison customers can receive rebates on ENERGY STAR certified appliances. Standard rebates range from $25-$500, w...
Income-qualified Columbia Gas customers receive no-cost weatherization services including home energy inspection, safety...
Provides once-a-year financial assistance to disabled, unemployed, or low-income Toledo Edison customers who might lose ...
Reduces property taxes by exempting $50,000 of your home's market value from taxation (tax year 2025, indexed for inflat...
Ohio Senate Bill 92 provides a complete property tax exemption for homesteads owned by totally disabled veterans (100% s...
OHFA provides 30-year fixed-rate mortgages (FHA, VA, USDA, conventional) with down payment assistance of 3% (conventiona...
Provides public servants with a 0.25% discounted mortgage interest rate plus down payment assistance of 3% or 3.5%. Elig...
A federal tax credit of up to 40% of annual mortgage interest paid, capped at $2,000 per year, for first-time homebuyers...
Provides recent college graduates (within 48 months of graduation) with a discounted mortgage rate plus 2.5% or 5% down ...
OHFA's program for repeat homebuyers who are not first-time buyers. Provides 30-year fixed-rate mortgages with down paym...
Tax-advantaged savings accounts for future homebuyers earning 6.00% APY on deposits up to $24,999. Contributors can dedu...
Federally funded program providing eligible Ohioans assistance with home energy bills. Regular HEAP benefits range from ...
Helps veterans with certain service-connected disabilities build, buy, or modify a home to meet their accessibility need...
Helps veterans with certain service-connected disabilities (blindness, loss of hands) modify an existing home for access...
Provides up to $6,800 lifetime for medically necessary home modifications for veterans with service-connected disabiliti...
Allows veterans eligible for SAH or SHA grants to adapt a family member's home where they are temporarily residing. SAH-...
Loans at 1% interest (20-year term) for very-low-income homeowners in USDA-eligible rural areas to repair, improve, or m...
FHA-insured loans for home improvements up to $25,000 for single-family homes with terms up to 20 years. Loans under $7,...
Combines purchase price and renovation costs into a single FHA mortgage. Standard 203(k) for major rehab; Limited 203(k)...
Tax credit equal to 30% of costs for solar panels, battery storage, wind turbines, geothermal heat pumps, and solar wate...
Tax credit of 30% of costs for energy-efficient improvements: up to $2,000/year for heat pumps and biomass stoves, plus ...
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...
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 ...
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...
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...
Ohio HWAP provides free energy efficiency improvements to income-eligible households statewide, delivered through a netw...
Ohio EPA's WPCLF program provides principal forgiveness loans to Local Health Districts, which pass savings to homeowner...
Ohio Residential PACE allows homeowners to finance energy efficiency and renewable energy improvements through a volunta...
Welcome Home Ohio provides grants up to $100,000 per property to developers, nonprofits, and local governments to purcha...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
OhioMeansJobs Lucas County administers WIOA-funded services for Lucas County. Individual Training Accounts fund approved...
The SBA Cleveland District Office serves small businesses in Toledo and northwest Ohio with SBA 7(a) loans, 504 loans, m...
Toledo's Department of Economic Development offers business support through the Toledo-Lucas County Port Authority Loan ...
Ohio's Child Care Assistance Program (CCAP) helps eligible low-income families pay for child care while parents work, lo...
Head Start and Early Head Start programs in Toledo and Lucas County provide free comprehensive early childhood services ...
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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49 programs are currently listed for Toledo, including City of Toledo Home Rescue Program, Toledo Rooftops Repair Program, Toledo Lead Stabilization Grant 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 Toledo, 37 programs do not require repayment, 5 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.