Find grants, rebates, forgivable loans, and free programs for Troy, NY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Troy, NY, with individual awards up to $126,526. 3 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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...
Provides major home repairs and rehabilitation assistance to owner-occupied homes in Troy for low-income households. Loa...
Provides emergency home repair grants for owner-occupied households in Troy with income at or below 50% AMI. Covers imme...
Provides free lead-based paint hazard removal for qualifying Troy and Rensselaer County homes built before 1978 with chi...
Provides free weatherization services to income-eligible Troy households to reduce energy costs and improve comfort. Adm...
Free in-home energy assessment for National Grid customers in Troy. Technician installs free LED bulbs, faucet aerators,...
Rebates for installing ENERGY STAR certified air source heat pumps in National Grid service territory. Ductless mini-spl...
Rebates for attic, wall, and basement insulation plus air sealing improvements for National Grid customers. Requires pre...
Provides no-cost comprehensive energy efficiency improvements for income-qualified households in Troy. Includes insulati...
Statewide incentives for installing electric heat pumps to replace fossil fuel heating systems. Combines NYSERDA rebates...
New York State personal income tax credit equal to 25% of qualified solar electric system expenditures, up to $5,000. St...
Low-interest loans and grants to very-low-income rural homeowners for home repairs and improvements. Grants up to $10,00...
Grants for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to meet their d...
Grants for eligible veterans with certain service-connected disabilities to modify a home to accommodate their disabilit...
Provides grants for minor home repairs and accessibility modifications for Rensselaer County seniors age 60+ with limite...
Federal HOME funds administered by Rensselaer County for major rehabilitation of owner-occupied homes. Provides deferred...
CDBG-funded grants for accessibility modifications to owner-occupied homes in Troy for residents with disabilities. Cove...
Grants and low-interest loans for repair or replacement of private sewer laterals in Troy. Income-qualified households m...
Cash incentives for installing solar photovoltaic systems on residential properties in Troy. Incentive amount based on s...
Matching grants for exterior restoration of historic properties in Troy's designated historic districts. Funds repairs u...
Rebates for purchasing ENERGY STAR certified appliances and equipment including heat pump water heaters, smart thermosta...
Regular HEAP benefits help income-qualified Troy households pay heating costs. Emergency HEAP available for heating cris...
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 Troy, 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 Troy, 16 programs do not require repayment, 2 are forgivable loans, and 5 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.