Find grants, rebates, forgivable loans, and free programs for Oklahoma City, OK, filtered to your situation.
As of June 2026, 41 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oklahoma City, OK, with individual awards up to $126,526. 16 programs target seniors, 6 serve veterans, and 17 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 28 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | 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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The City of Oklahoma City provides deferred-payment, forgivable loans funded through HUD's CDBG and HOME programs to hel...
The OKC Strengthening Neighborhoods Initiative (SNI) Minor Repair Program provides deferred loans up to $23,000 for home...
The Oklahoma Housing Finance Agency administers federal HOME Investment Partnerships funds statewide, partnering with lo...
The Strengthen Oklahoma Homes (SOH) program, administered by the Oklahoma Insurance Department, provides grants of up to...
OG&E offers residential customers rebates on qualifying energy-efficiency upgrades including HVAC replacement (up to $3,...
Oklahoma Natural Gas offers residential rebates for upgrading to high-efficiency natural gas heating equipment. Key reba...
The Oklahoma Weatherization Assistance Program provides free energy-efficiency improvements to income-eligible household...
LIHEAP provides seasonal energy bill assistance to low-income Oklahoma households, covering winter heating (up to $500) ...
Central Oklahoma Habitat for Humanity's A Brush with Kindness program provides exterior home maintenance assistance to l...
Neighborhood Housing Services of Oklahoma provides low-interest home improvement loans and counseling to help low- and m...
The VA Home Improvements and Structural Alterations (HISA) grant provides up to $6,800 for veterans with service-connect...
The VA Specially Adapted Housing (SAH) grant provides up to $126,526 in FY 2026 to help veterans with severe service-con...
The VA Special Home Adaptation (SHA) grant provides up to $25,350 in FY 2026 to improve mobility throughout the home for...
Oklahoma homeowners who occupy their home as their primary residence may receive the Homestead Exemption, which reduces ...
Oklahoma homeowners age 65 or older with household income below $85,600 may freeze their home's fair cash value, prevent...
Oklahoma veterans with a 100% permanent and total service-connected disability rating from the VA are fully exempt from ...
USDA Rural Development's Section 504 program provides low-interest loans (up to $40,000) and grants (up to $10,000 for h...
The FHA 203(k) Rehabilitation Mortgage allows homebuyers or existing homeowners to finance home purchase (or refinance) ...
VITA provides free income tax preparation by IRS-certified volunteers to households earning $67,000 or less, helping hom...
The federal 25C Energy Efficient Home Improvement Credit allows homeowners to claim 30% of qualifying improvement costs ...
The federal 25D Residential Clean Energy Credit provides a 30% tax credit with no dollar cap for qualifying renewable en...
The Neighborhood Services Organization provides housing stability programs including emergency repair assistance and uti...
OHFA's homeownership loan programs provide below-market interest rate mortgages with optional down payment assistance fo...
Oklahoma County administers CDBG and HOME funds for homeowner rehabilitation assistance in unincorporated county areas a...
Oklahoma provides a refundable property tax credit of up to $200 for very low-income senior homeowners age 65 and older ...
ACOG administers CDBG funds on behalf of smaller communities in the Central Oklahoma region that do not receive direct H...
The Emergency Solutions Grant (ESG) program funds local nonprofits and government agencies to provide emergency housing ...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
Rebuilding Together's Safe at Home program provides free preventive home modifications to help older adults and people w...
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...
Oklahoma Insurance Department's Strengthen Oklahoma Homes program provides grants of up to $10,000 to homeowners across ...
OG&E's Income-Qualified Weatherization Program provides up to $3,000 in free energy efficiency improvements, including c...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
Oklahoma Works American Job Centers in Oklahoma City provide WIOA-funded Individual Training Accounts and career service...
Oklahoma's Child Care Subsidy Program helps low-income working families pay for quality child care. Families choose from...
Oklahoma City Public Schools and Community Action Agency of Oklahoma City operate Head Start and Early Head Start progra...
The SBA Oklahoma District Office in Oklahoma City serves small businesses throughout Oklahoma. Programs include SBA Micr...
The City of Oklahoma City's Economic Development Department administers small business assistance programs including CDB...
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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41 programs are currently listed for Oklahoma City, including OKC Homeowner Rehabilitation Assistance, OKC SNI Home Repair Assistance (Minor Repair), OHFA HOME Homeowner Rehabilitation.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Oklahoma City, 28 programs do not require repayment, 5 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.