Find grants, rebates, forgivable loans, and free programs for Fernandina Beach, FL, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Fernandina Beach, FL, with individual awards up to $500,000. 4 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | 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...
Federal weatherization program administered by Florida DEO to reduce energy costs for low-income households. Services in...
State Housing Initiatives Partnership (SHIP) funded program providing forgivable loans for major home repairs to low-inc...
Community Development Block Grant program providing emergency home repairs for very low-income owner-occupants in Nassau...
Florida Power & Light offers free home energy surveys and rebates for qualifying energy-efficient upgrades including hig...
Rebate for installing high-efficiency electric heat pumps (16+ SEER2) in FPL service territory. Rebate amount varies by ...
Federal tax credit for residential solar photovoltaic systems and battery storage. Covers 30% of total system cost inclu...
USDA program providing loans and grants to very low-income homeowners in eligible rural areas to repair or improve their...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to meet accessibility needs. ...
Grant for veterans with qualifying service-connected disabilities to adapt a home for independent living. Eligible veter...
Federal Hardest Hit Fund program that provided mortgage payment assistance and principal reduction for Florida homeowner...
Florida Department of Health provides free blood lead testing for children and pregnant women, home environmental assess...
CDBG-funded program providing grants for accessibility modifications to homes occupied by persons with disabilities in N...
Florida offers multiple grant programs for preservation and rehabilitation of historic properties listed on or eligible ...
Grant program specifically for seniors age 62 and older in Nassau County to make minor home repairs and safety modificat...
Community solar program allowing FPL customers to subscribe to solar energy without installing panels on their property....
Provides financial assistance to low-income homeowners for repair or replacement of failing sewer lateral lines from the...
Property Assessed Clean Energy (PACE) financing allows homeowners to finance energy efficiency, renewable energy, and hu...
Down payment and closing cost assistance for active law enforcement, firefighters, paramedics, and corrections officers ...
Federal Homeowner Assistance Fund program that provided mortgage payment assistance, property tax payments, and utility ...
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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23 programs are currently listed for Fernandina Beach, 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 Fernandina Beach, 17 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.