Find grants, rebates, forgivable loans, and free programs for Watertown, NY, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Watertown, NY, with individual awards up to $126,526. 7 programs target seniors, 3 serve veterans, and 13 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 | 6 | 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 forgivable loans for major home repairs to low-income owner-occupants in Watertown. Loan is forgiven after 5 ye...
Provides emergency repair grants for urgent health and safety issues in owner-occupied homes for very low-income househo...
Federally funded weatherization services to reduce energy costs for income-eligible households in Jefferson County. Serv...
Rebates for qualifying air source heat pump installations in National Grid service territory. Eligible systems must meet...
Rebates for high-efficiency heating and cooling systems including central air conditioners, furnaces, and boilers. Equip...
Rebates for insulation and air sealing improvements in attics, walls, and basements. Requires pre-approval and use of ap...
Free lead hazard reduction services for homes built before 1978 with children under age 6. Services include lead testing...
Grant program for accessibility modifications to help disabled and elderly residents remain safely in their homes. Cover...
Low-interest loans and grants for very low-income homeowners in rural areas of Jefferson County to repair, improve, or m...
Grant for Veterans with certain service-connected disabilities to adapt or purchase an adapted home. Available to Vetera...
Grant for Veterans with certain service-connected disabilities to adapt a home. For Veterans who are blind in both eyes ...
Federally funded HOME program providing forgivable loans for owner-occupied rehabilitation in Jefferson County. Loans ar...
Small repair grant program for senior homeowners age 60+ in Jefferson County to address urgent home repairs and safety h...
Low-interest loan program to help Watertown homeowners repair or replace failing private sewer laterals. Loan is added t...
New York State tax credit equal to 25% of qualified solar energy system equipment expenditures, with a maximum credit of...
Rebate for qualifying solar thermal (solar hot water) systems installed by eligible contractors. Reduces upfront cost of...
Tax credit equal to 20% of qualified rehabilitation expenditures for owner-occupied historic homes listed on State or Na...
Rebates for qualifying ENERGY STAR certified appliances including refrigerators, clothes washers, and dehumidifiers purc...
Rebate for installation of qualifying ENERGY STAR heat pump water heaters in homes served by National Grid. Heat pump wa...
Enhanced energy efficiency services for income-eligible National Grid customers including free weatherization, discounte...
Enhanced property tax exemption for senior homeowners age 65+ with income of $98,700 or less. Provides greater school ta...
Property tax exemption for senior citizens age 65+ or qualifying veterans with limited income. Exemption percentage incr...
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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26 programs are currently listed for Watertown, 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 Watertown, 16 programs do not require repayment, 2 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.