Find grants, rebates, forgivable loans, and free programs for Callaway, FL, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Callaway, FL, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | 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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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...
Federally funded program that provides free energy efficiency improvements to income-eligible households in Bay County. ...
State Housing Initiatives Partnership program providing forgivable loans for rehabilitation of owner-occupied homes in B...
Community Development Block Grant program providing home rehabilitation grants to low-income owner-occupants in unincorp...
HUD-funded lead hazard control program for Florida homes built before 1978 with children under 6 years old. Services inc...
Federal program offering low-interest loans (1%) up to $40,000 and grants up to $10,000 for very low-income homeowners a...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to meet disability needs. Qua...
Grant for veterans with certain service-connected disabilities to adapt a family member's home in which they reside or w...
Rebates for Gulf Power customers who install qualifying high-efficiency HVAC systems, heat pump water heaters, insulatio...
Rebate for Gulf Power customers installing high-efficiency electric heat pump systems. Rebate amounts range from $50 to ...
Florida homeowners installing solar panels receive 30% federal investment tax credit plus 100% property tax exemption on...
Grant program for low-income Bay County residents age 60+ to make emergency home repairs and minor modifications that en...
Federal HOME program administered by Florida Housing Finance Corporation provides funds for rehabilitation of owner-occu...
Emergency grant program for very low-income Bay County homeowners facing immediate health and safety threats. Covers urg...
State program providing assistance to homeowners for repairs following federally declared disasters. Activated following...
Federal program providing temporary unemployment benefits to individuals who lost work as a direct result of a federally...
Grant program for Bay County homeowners with disabilities to make accessibility modifications including wheelchair ramps...
Low-interest loan program for Bay County homeowners to repair or replace private sewer lateral lines from the home to th...
HUD Community Development Block Grant Disaster Recovery program for Bay County homeowners affected by Hurricane Michael ...
Florida's homestead exemption reduces the taxable value of owner-occupied primary residences by up to $50,000, providing...
Additional property tax exemption for Bay County residents age 65+ with household income below approximately $32,000 (ad...
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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24 programs are currently listed for Callaway, 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 Callaway, 19 programs do not require repayment, 1 is forgivable loan, 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.