Home Improvement Grants in Key Largo.

Browse cataloged grants, rebates, loans, and other assistance records for Key Largo, FL. Verify each program's current rules, service area, and status.

The Key Largo, FL directory shows 26 cataloged resources. Of those, 23 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 23 records is $500,000, not an estimate of your award. Discovery tags include 5 senior-related records, 3 veteran-related records, and 12 marked with no income limit. These tags do not determine eligibility; verify the complete official rules.

Record set last reviewed 2026-06-09. How we verify our data.

Types of help in this city

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Funding typeRecordsWhat to verifyLabel scope
Grants16Repayment, tax, and possible lien termsDirectory classification; confirm official terms
Forgivable loans2Forgiveness schedule, residency, and lien termsDirectory classification; confirm official terms
Rebates3Eligible purchases, upfront payment, and claim timingDirectory classification; confirm official terms

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Showing all 26 resources (23 currently open or actionable repair-assistance records)
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $8,000 in weatherization improvements

Florida Weatherization Assistance Program (WAP)

Federal WAP program administered by Florida DEO to reduce energy costs for low-income households. Services include insul...

Weatherization
Up to $100,000 forgivable loan

Monroe County SHIP Program

State Housing Initiatives Partnership program providing forgivable loans for home rehabilitation and repair in Monroe Co...

Home Repair
Up to $500 rebate

Keys Energy Solar Photovoltaic Rebate

Keys Energy Services offers rebates for residential solar PV installations for customers in their service area. Rebate a...

Solar/Renewable
Free energy assessment

FPL Home Energy Survey

Free online and in-person home energy assessments from FPL to identify energy-saving opportunities. Participants receive...

Energy
Up to $200 rebate

FPL HVAC Rebate Program

Rebate for qualifying high-efficiency air conditioning systems for FPL customers. Systems must meet minimum SEER ratings...

Energy
Financing up to 20% of home value

Florida PACE Financing

Property Assessed Clean Energy (PACE) financing for energy efficiency, renewable energy, and hurricane hardening improve...

Energy
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Loan & Grant

USDA program providing loans up to $40,000 and grants up to $10,000 for very low-income homeowners in eligible rural are...

Seniors & Disability
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Grant for Veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their disa...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Grant for Veterans with certain service-connected disabilities to adapt a family member's home in which they will reside...

Veterans
Up to $100,000 repair assistance

Rebuild Florida Housing Repair Program

CDBG-DR program assisting homeowners affected by Hurricane Irma (2017) and other declared disasters with home repair, re...

Disaster
Up to $10,000 matching grant

My Safe Florida Home Program

Matching grant program to help Florida homeowners retrofit their homes with hurricane-resistant improvements. Provides f...

Disaster
Up to $75,000 mitigation assistance

Monroe County Flood Mitigation Assistance

FEMA Flood Mitigation Assistance program administered by Monroe County to reduce or eliminate flood risk to properties w...

Disaster
Free lead testing and abatement assistance

Florida Childhood Lead Poisoning Prevention Program

Free lead testing for children and lead hazard assessments for homes built before 1978 where young children reside. The ...

Home Repair
Up to $50,000 forgivable loan

Monroe County HOME Rehabilitation Program

HUD HOME Investment Partnerships Program providing forgivable loans for owner-occupied rehabilitation in Monroe County. ...

Home Repair
Up to $50,000 additional exemption

Monroe County Senior Property Tax Exemption

Additional homestead exemption for seniors 65 and older with household income below $32,000 (adjusted annually). Provide...

Property Tax Relief
Up to $500 tax exemption

Monroe County Disability Property Tax Exemption

Property tax exemption for permanently and totally disabled Florida residents who meet federal Social Security disabilit...

Property Tax Relief
Up to $15,000 grant

Monroe County Accessibility Modification Program

Grant program for low-income Monroe County residents with disabilities or seniors needing home modifications to improve ...

Seniors & Disability
Up to $10,000 grant + low-interest loan

Monroe County Wastewater Connection Grant

Financial assistance for Monroe County property owners to connect to central wastewater systems and abandon septic syste...

Home Repair
Up to $5,000 emergency grant

Monroe County Emergency Home Repair for Seniors

Emergency repair grants for seniors age 60+ in Monroe County facing urgent home repair needs that threaten health or saf...

Seniors & Disability
Up to $500,000 matching grant

Florida Historic Preservation Grant

Matching grants for preservation, restoration, and rehabilitation of historic properties listed on National Register or ...

Historic
Free smart thermostat + $50 annual credit

FPL On Call Home Energy Manager

Free smart thermostat installation and annual bill credits for FPL customers who allow limited AC cycling during peak de...

Energy
Up to $3,500 emergency grant

Monroe County Veterans Emergency Home Repair

Emergency home repair assistance for low-income veterans in Monroe County facing urgent home repair needs. Covers emerge...

Veterans

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Local help in Key Largo, FL

Organizations that help Key Largo homeowners with repairs, weatherization, and applications. We list these as a helpful resource; we are not affiliated with them and do not endorse them.

Frequently asked questions

What home-improvement assistance records are cataloged for Key Largo, FL?

The directory includes 23 possible-program records associated with Key Largo, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes. Inclusion does not confirm current availability or eligibility.

How are the assistance records for Key Largo classified?

Our classifier labels 16 records as grants, 2 as forgivable loans, and 3 as rebates in Key Largo. Classification can be incomplete; confirm the benefit type, lien, repayment, and conditions in the administrator's terms.

How do I research and apply for home repair assistance in Key Largo?

Each program page shows the source, application route, or contact we have on file. Confirm the current route, requirements, and any costs with the administering organization before applying. The current Grant Map homeowner fee is $0.