Find grants, rebates, forgivable loans, and free programs for Memphis, TN, filtered to your situation.
As of June 2026, 45 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Memphis, TN, with individual awards up to $126,526. 11 programs target seniors, 5 serve veterans, and 19 require no income limit.
Data last verified 2026-04-01. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 29 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | Refunded to you after purchase | Energy-efficiency upgrades |
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City of Memphis pilot launched Oct 2025 to address urgent structural repairs (roof, wiring, plumbing) that previously di...
10-year low-interest (1.5%) home repair loans for low-to-moderate income Memphis homeowners. Covers roofs, HVAC, electri...
Free critical home repairs and accessibility modifications for Memphis homeowners age 62+. Work includes wheelchair ramp...
$3 million HUD grant secured by Rep. Steve Cohen (Dec 2025) for very low-income senior citizens in Memphis. Grants up to...
Forgivable 5-year grant for homeowners in unincorporated Shelby County, Arlington, Bartlett, Collierville, Germantown, o...
Free lead hazard assessment, testing, and remediation for pre-1978 homes in Shelby County where children under 6 are pre...
City of Memphis HCD administers lead hazard remediation for pre-1978 owner-occupied homes in the City of Memphis. Covers...
Free insulation, air sealing, duct sealing, HVAC tune-ups for households at or below 200% federal poverty level. City of...
TVA-funded program providing an average $10,000 in free home energy upgrades for income-qualified MLGW customers. Covers...
Cash rebates for Memphis MLGW customers who install qualifying energy-efficient upgrades: heat pumps/geothermal ($1,500)...
Announced Jan 2026: $500,000 TVA grant to City of Memphis for targeted weatherization repairs for households at or below...
Corrects life-threatening emergencies (roof collapse, HVAC failure, septic failure) for elderly (60+) or disabled low-in...
Grants up to $65,000 for single-family homes in the Uptown and Binghampton TIF Districts. Covers roof, electrical, plumb...
Memphis Housing Authority provides grants up to $15,000 for eligible homeowners within the South City neighborhood (form...
Up to $25,000 (90% of project cost) for exterior improvements visible from the street in South City, Madison Heights, Up...
100% free volunteer-led home repairs for low-income Memphians. Priority for elderly, veterans, and disabled homeowners. ...
Any-income MLGW customer rebates for energy efficiency upgrades: heat pumps, ductless mini-splits, air sealing, insulati...
Pays MLGW heating/cooling bills for households at or below 60% of State Median Income (1-person: ~$32,052; 2-person: ~$4...
Tennessee IRA HOMES Efficiency Rebate Program launching Q3 2026. Rebates of $2,000-$8,000 for whole-home energy efficien...
For rural homeowners. Grant (age 62+, very low income): up to $10,000 lifetime. Loan (any age, very low income): up to $...
Up to $25,000 for home improvements. Unsecured up to $7,500 (signature only). No equity requirement. Fills the gap when ...
Finance purchase + renovation in one loan. Limited 203(k) covers up to $75,000 non-structural repairs. Powerful for Memp...
For veterans with permanent total service-connected disability (paraplegia, loss of limbs, legal blindness). Buy, build,...
For veterans with specific service-connected disabilities (burns affecting hands/extremities, blindness in both eyes). A...
Most accessible VA grant, any service-connected disability qualifies. Covers ramps, grab bars, accessible bathrooms, rol...
Tennessee reimburses property taxes on up to $175,000 of market value for veterans with permanent total disability, para...
State reimburses property taxes for Shelby County homeowners age 65+ or totally/permanently disabled with income at or b...
20% federal tax credit on qualified rehabilitation costs for certified historic structures. Strong in Memphis given exte...
30% federal tax credit on solar panels, battery storage, geothermal heat pumps. Verify current status, some energy credi...
Free IRS-certified tax preparation at multiple Memphis sites through United Way of the Mid-South. Ensures you claim all ...
MLGW Plus1 program collects customer donations to assist neighbors facing utility shutoffs. Administered through local s...
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...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
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...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
The City of Memphis provides down payment assistance grants to income-qualified first-time homebuyers purchasing within ...
Tennessee Career Centers in Memphis, operated through the Workforce Investment Network (WIN) and the Tennessee Departmen...
Tennessee's Child Care Certificate Program (CCCP) helps low-income working families pay for child care. Eligible familie...
Porter-Leath and Memphis-Shelby County Schools operate Head Start and Early Head Start programs serving low-income famil...
The SBA Tennessee District Office serves small businesses throughout Tennessee including Memphis. Programs include SBA M...
The City of Memphis Division of Housing & Community Development administers CDBG-funded small business loan programs for...
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 Memphis, including RRRAP, Residential Repair & Rehab Assistance Pilot, 901HELP Memphis Home Empowerment Loan, Habitat Memphis Aging in Place 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 Memphis, 29 programs do not require repayment, 5 are forgivable loans, and 4 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.