Find grants, rebates, forgivable loans, and free programs for Kansas City, MO, filtered to your situation.
As of June 2026, 43 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Kansas City, MO, with individual awards up to $126,526. 11 programs target seniors, 7 serve veterans, and 20 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 30 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | Refunded to you after purchase | Energy-efficiency upgrades |
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HUD CDBG-funded grant for Kansas City, MO homeowners at or below 80% AMI. Exterior repairs: up to $10,000 one-time grant...
Targets homeowners in specific neighborhoods identified in Kansas City's Consolidated Housing and Community Development ...
No income requirement. Provides free paint and supplies to KCMO homeowners. Labor must be done by the homeowner. House m...
Missouri's DOE-funded Low Income Weatherization Assistance Program (LIWAP) delivered by CAAGKC for Jackson, Platte, and ...
Identifies, reduces, and eliminates home-based hazards affecting health and quality of life. Covers cleaning supplies, m...
Low Income Home Energy Assistance Program for Jackson, Clay, and Platte counties in Missouri, administered by MAAC. Pays...
KCMO received a $6.4M HUD grant for lead-based paint stabilization. Assessments and remediation at no cost for qualifyin...
Missouri Evergy customers (effective Jan 1, 2024) can claim rebates on HVAC, heat pumps, insulation, air sealing, and sm...
For Evergy customers at or below 200% Federal Poverty Level. Free in-home energy upgrades delivered by local agencies (C...
Spire Missouri offers rebates on high-efficiency furnaces, water heaters, boilers, and smart thermostats. The Pay As You...
Missouri HUD HOME Investment Partnerships Program funds for non-cosmetic home repair of income-qualifying homeowners. MH...
First-time homebuyers (and qualified veterans) get below-market 30-year fixed rates plus up to 4% of the loan amount as ...
NeighborWorks affiliate NHS-KC offers low-interest rehab loans and minor home repair grants for interior and exterior re...
Habitat KC's Home Preservation program serves homeowners at or below 80% AMI who face safety, accessibility, or health h...
Volunteer-powered home repair serving low-income homeowners in Clay, Jackson, and Platte counties. Programs: Essential H...
Free safety and security repairs for low-income homeowners in Kansas City, MO and Johnson County, KS. Priority for older...
MARC's Department of Aging and Adult Services offers home modification and repair for adults age 60+ in Cass, Clay, Jack...
Missouri's 'circuit breaker' tax credit reimburses property tax paid. Homeowners: up to $1,100 (income up to $30,000 sin...
Starting January 1, 2026, Missouri provides tiered property tax exemptions by disability rating: $2,500 exemption for 30...
For veterans with a permanent, total service-connected disability. Buy, build, or modify home for wheelchair access, rol...
Most accessible VA housing grant, any service-connected disability qualifies. Covers ramps, grab bars, roll-in showers, ...
Grants up to $10,000 for homeowners age 62+ (very low income, under 50% AMI) to remove health and safety hazards. Loans ...
Up to $25,000 for home improvements. Loans up to $7,500 are unsecured (no equity needed, signature only). Fills the gap ...
Finance a home purchase AND renovation in one mortgage. Limited 203(k) covers up to $75,000 in non-structural repairs. S...
25% Missouri state tax credit on qualified rehabilitation expenses for certified historic structures. Property must be l...
30% federal tax credit on solar panels, battery storage, and geothermal heat pumps. No dollar cap. Verify current status...
Missouri Medicaid Home and Community Based Services (HCBS) waivers cover Environmental Accessibility Adaptations, ramps,...
KANSAS SIDE ONLY (KCK residents). The Unified Government of Wyandotte County/Kansas City, Kansas administers CDBG funds ...
KANSAS SIDE ONLY (KCK residents). Safe Senior refund returns 75% of property taxes paid for Kansas homeowners age 65+, i...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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 ...
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...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Free tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) program. Certified volunteers prepa...
The Full Employment Council (FEC) serves Greater Kansas City as the local workforce development board and American Job C...
Missouri's Child Care Subsidy Program provides financial assistance to low-income families to help pay for child care wh...
Multiple agencies operate Head Start and Early Head Start programs in Kansas City, MO, serving low-income families with ...
The SBA Kansas City District Office serves small businesses in Kansas City, Missouri and the surrounding region. Program...
KC Sourcelink connects Kansas City entrepreneurs with small business loans and grants through a network of local CDFIs a...
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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43 programs are currently listed for Kansas City, including KCMO City Home Repair Program, KCMO Targeted Minor Home Repair Program, KCMO Free Paint 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 Kansas City, 30 programs do not require repayment, 3 are forgivable loans, and 3 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.