Find grants, rebates, forgivable loans, and free programs for Niagara Falls, NY, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Niagara Falls, NY, with individual awards up to $126,526. 6 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 | 21 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Provides free weatherization improvements to reduce energy costs for income-eligible households in Niagara Falls. Servic...
CDBG-funded forgivable loan for major rehabilitation of owner-occupied homes in Niagara Falls. Addresses code violations...
Provides emergency grants for urgent health and safety repairs to owner-occupied homes in Niagara Falls. Priority given ...
Provides grants for accessibility modifications to enable seniors and people with disabilities to remain safely in their...
State-funded program providing free lead hazard evaluation and remediation for homes built before 1978 where children un...
National Grid customers in Niagara Falls can receive rebates for energy-efficient heating and cooling equipment, includi...
Comprehensive home energy assessment and weatherization program for National Grid customers. Includes professional energ...
Incentives for National Grid customers installing air-source or ground-source heat pumps to replace fossil fuel heating ...
New York State offers a personal income tax credit equal to 25% of qualified solar equipment expenditures, up to $5,000,...
Provides grants to income-qualified homeowners for replacement of failing private sewer lateral lines from the home to t...
Very low-interest loans and grants for very low-income homeowners to repair, improve, or modernize homes in eligible rur...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their accessibility needs. ...
Helps veterans with certain service-connected disabilities adapt a family member's home where they reside. For veterans ...
HUD HOME funds for affordable housing rehabilitation in Niagara Falls. Provides zero-interest deferred loans for substan...
Provides grants for minor home repairs to enable seniors age 60+ to remain safely and independently in their homes. Cove...
Comprehensive energy efficiency services at no cost for income-qualified National Grid customers. Includes energy assess...
No-cost energy efficiency upgrades for income-eligible New Yorkers including Niagara Falls residents. Provides comprehen...
Rebates for National Grid customers who install ENERGY STAR qualified gas water heaters or tankless water heaters. Rebat...
New York State income tax credit equal to 20% of qualified rehabilitation expenditures for owner-occupied historic homes...
Below-market rate mortgages for first-time homebuyers in New York State, including Niagara Falls. Optional down payment ...
Enhanced School Tax Relief (STAR) exemption for homeowners age 65+ with income below $92,000. Provides savings on the sc...
Provides funding for flood mitigation projects that reduce or eliminate long-term risk of flood damage to structures ins...
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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26 programs are currently listed for Niagara Falls, 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 Niagara Falls, 21 programs do not require repayment, 2 are forgivable loans, 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.