Find grants, rebates, forgivable loans, and free programs for Middletown, NY, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Middletown, NY, with individual awards up to $126,526. 5 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 | 3 | 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 free energy efficiency improvements to income-eligible households in New York State. Services include insulatio...
Provides comprehensive home rehabilitation assistance to income-eligible owner-occupants in Middletown. Loan is forgiven...
Provides free lead hazard assessment and remediation for Orange County homes built before 1978 with children under age 6...
Provides down payment and closing cost assistance for first-time homebuyers in New York State. Available in conjunction ...
Provides rebates for energy-efficient home improvements for Orange & Rockland electric and gas customers. Includes rebat...
Statewide incentives for installing air-source or ground-source heat pumps to replace fossil fuel heating systems. Incen...
Provides loans and grants to very-low-income rural homeowners for home repairs, improvements, or modernization. Seniors ...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Gr...
Assists veterans with certain service-connected disabilities to adapt or purchase a home with special features. Covers a...
Provides grants for accessibility modifications to homes occupied by persons with disabilities in Middletown. Covers whe...
Helps senior homeowners age 60 and older in Orange County with minor home repairs that affect safety and independent liv...
Provides low-interest loans for homeowners in Middletown to repair or replace failing sewer lateral connections from hou...
Provides incentives for residential solar installations in New York State. Incentive amount varies by system size, locat...
Provides emergency home repair grants for very-low-income owner-occupants in Middletown facing immediate health and safe...
Reduces school property taxes for New York homeowners. Basic STAR is available to owner-occupants with incomes under $50...
Rebate for Orange & Rockland electric customers who install ENERGY STAR certified heat pump water heaters. Heat pump wat...
Provides comprehensive, no-cost energy efficiency improvements to income-eligible households in Orange County. Includes ...
Allows homebuyers and homeowners to finance both the purchase (or refinance) and rehabilitation of a home with a single ...
Provides a 20% state income tax credit for qualified rehabilitation of owner-occupied historic homes in New York State. ...
Helps low-income New Yorkers pay heating bills and emergency heating costs. Regular HEAP benefit available November thro...
Provides rebates to Orange County homeowners for replacement of failing septic systems. Priority given to systems near w...
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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25 programs are currently listed for Middletown, 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 Middletown, 19 programs do not require repayment, 1 is forgivable loan, 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.