Find grants, rebates, forgivable loans, and free programs for Tulsa, OK, filtered to your situation.
As of June 2026, 45 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Tulsa, OK, with individual awards up to $250,000. 11 programs target seniors, 6 serve veterans, and 21 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 33 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | Refunded to you after purchase | Energy-efficiency upgrades |
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Provides emergency home repairs for owner-occupied households in Tulsa city limits with income at or below 50% AMI. Cove...
Provides major home repairs for owner-occupied households in Tulsa city limits with income at or below 80% AMI. Loan is ...
HUD-funded program to reduce lead-based paint hazards in qualifying Tulsa County homes with children under 6. Priority z...
Provides loans and grants for affordable housing development, homebuyer assistance, landlord incentive grants, and renta...
Provides first-time homebuyers a below-market 30-year fixed-rate mortgage at 6.35% with 3.5% of total mortgage for down ...
Federal CDBG and HOME funds administered by INCOG for Tulsa County communities outside city limits. Supports housing reh...
Partners with qualifying families to build energy-efficient homes in North Tulsa, East Tulsa, and Wagoner. Requires comp...
Provides free home repairs to low-income Tulsa homeowners since 1997 using volunteers. Makes homes safe and secure for a...
Founded in 1978, provides emergency financial assistance and case management to families facing eviction or housing cris...
Dial 2-1-1 for 24/7 information and referral to local housing assistance, home repair programs, utility assistance, and ...
Federally funded weatherization program serving Tulsa County through CARD. Provides free energy efficiency upgrades incl...
Free energy-saving upgrades for PSO customers with household income of $65,000 or less in homes under 2,200 sq ft and at...
PSO offers rebates on energy-efficient equipment including heat pumps, AC units, water heaters, insulation, appliances, ...
Rebates for natural gas appliance upgrades including furnaces, boilers, and water heaters. Up to $550 for a 95%+ efficie...
Provides first-time homebuyers (or buyers in targeted areas) a grant of 3.5% of first mortgage amount for down payment/c...
Available to both first-time and repeat homebuyers with higher income limits (up to $150,000 statewide for government-ba...
Federally funded program providing free energy efficiency improvements to households at or below 200% of poverty level. ...
Exempts the first $1,000 of assessed value from property taxation on your primary residential property. Available to all...
Freezes the taxable assessed value of your primary residence for seniors age 65+ with household income of $89,500 or les...
Full property tax exemption on the homestead for veterans with 100% permanent service-connected disability certified by ...
Federal program providing heating, cooling, and energy crisis assistance to low-income Oklahoma households. Winter heati...
Helps veterans with certain severe service-connected disabilities build, buy, or modify a home for accessibility. Covers...
Helps veterans with specific service-connected disabilities adapt an existing home or buy an already adapted home. Small...
Provides up to $6,800 (service-connected) or $2,000 (non-service-connected) for medically necessary home modifications. ...
Allows SAH/SHA-eligible veterans to adapt a family member's home where they are temporarily residing. Up to $44,299 for ...
Low-interest (1%) loans up to $40,000 with 20-year terms for very-low-income homeowners to repair, improve, or modernize...
Grants up to $10,000 (lifetime limit) for very-low-income homeowners age 62+ to remove health and safety hazards. Can be...
Finances home purchase and renovation costs in a single FHA-insured mortgage. Standard 203(k) for major renovations; Lim...
FHA-insured loan for home improvements up to $25,000 for single-family homes. No equity required, can be used even with ...
30% tax credit up to $3,200/year for energy-efficient home improvements. Up to $2,000 for heat pumps/biomass stoves, $1,...
30% tax credit with no annual or lifetime dollar limit for solar panels, battery storage, small wind turbines, geotherma...
Free IRS-certified tax preparation at 12+ Tulsa area locations for households earning under $60,000/year. Helps claim EI...
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...
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...
Oklahoma Insurance Department's Strengthen Oklahoma Homes program provides grants of up to $10,000 to homeowners across ...
OG&E's Income-Qualified Weatherization Program provides up to $3,000 in free energy efficiency improvements, including c...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
The Tulsa Area Workforce Development Board administers WIOA-funded services through Oklahoma Works American Job Centers ...
The SBA Oklahoma District Office in Oklahoma City serves small businesses in Tulsa and across Oklahoma with SBA 7(a) loa...
The Tulsa Economic Development Corporation (TEDC) provides SBA 504 loans in partnership with the city and offers direct ...
Oklahoma's Child Care Subsidy Program helps low-income working families pay for quality child care. Families choose from...
Community Action Project of Tulsa County (CAP Tulsa) operates one of the largest Head Start and Early Head Start program...
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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45 programs are currently listed for Tulsa, including City of Tulsa Emergency Repair Grant, City of Tulsa Rehabilitation Loan Program, Tulsa Lead Hazard Control 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 Tulsa, 33 programs do not require repayment, 2 are forgivable loans, and 2 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.