Home Improvement Grants in Memphis.
Browse cataloged grants, rebates, loans, and other assistance records for Memphis, TN. Verify each program's current rules, service area, and status.
The Memphis, TN directory shows 41 cataloged resources. Of those, 34 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 34 records is $126,526, not an estimate of your award. Discovery tags include 11 senior-related records, 5 veteran-related records, and 14 marked with no income limit. These tags do not determine eligibility; verify the complete official rules.
Record set last reviewed 2026-04-01. How we verify our data.
Types of help in this city
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| Funding type | Records | What to verify | Label scope |
|---|---|---|---|
| Grants | 27 | Repayment, tax, and possible lien terms | Directory classification; confirm official terms |
| Forgivable loans | 3 | Forgiveness schedule, residency, and lien terms | Directory classification; confirm official terms |
| Rebates | 2 | Eligible purchases, upfront payment, and claim timing | Directory classification; confirm official terms |
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RRRAP, Residential Repair & Rehab Assistance Pilot
City of Memphis pilot launched Oct 2025 to address urgent structural repairs (roof, wiring, plumbing) that previously di...
901HELP Memphis Home Empowerment Loan
10-year low-interest (1.5%) home repair loans for low-to-moderate income Memphis homeowners. Covers roofs, HVAC, electri...
Habitat Memphis Aging in Place Program
Free critical home repairs and accessibility modifications for Memphis homeowners age 62+. Work includes wheelchair ramp...
LISC Critical Home Repair for Seniors
$3 million HUD grant secured by Rep. Steve Cohen (Dec 2025) for very low-income senior citizens in Memphis. Grants up to...
Shelby County Home Rehabilitation Program
Forgivable 5-year grant for homeowners in unincorporated Shelby County, Arlington, Bartlett, Collierville, Germantown, o...
Shelby County Lead Hazard Control Program
Free lead hazard assessment, testing, and remediation for pre-1978 homes in Shelby County where children under 6 are pre...
City of Memphis Lead Hazard Reduction Program
City of Memphis HCD administers lead hazard remediation for pre-1978 owner-occupied homes in the City of Memphis. Covers...
Weatherization Assistance Program (WAP), Memphis
Free insulation, air sealing, duct sealing, HVAC tune-ups for households at or below 200% federal poverty level. City of...
TVA EnergyRight Home Uplift
TVA-funded program providing an average $10,000 in free home energy upgrades for income-qualified MLGW customers. Covers...
MLGW / TVA EnergyRight Rebates
Cash rebates for Memphis MLGW customers who install qualifying energy-efficient upgrades: heat pumps/geothermal ($1,500)...
Efficient Homes for All (TVA-Funded)
Announced Jan 2026: $500,000 TVA grant to City of Memphis for targeted weatherization repairs for households at or below...
THDA Emergency Repair Program (ERP)
Corrects life-threatening emergencies (roof collapse, HVAC failure, septic failure) for elderly (60+) or disabled low-in...
CRA Single Family Home Rehabilitation
Grants up to $65,000 for single-family homes in the Uptown and Binghampton TIF Districts. Covers roof, electrical, plumb...
Memphis Housing Authority South City Homeowner Grant
Memphis Housing Authority provides grants up to $15,000 for eligible homeowners within the South City neighborhood (form...
Good Neighbor Grant (Downtown Memphis)
Up to $25,000 (90% of project cost) for exterior improvements visible from the street in South City, Madison Heights, Up...
Rebuilding Together Memphis
100% free volunteer-led home repairs for low-income Memphians. Priority for elderly, veterans, and disabled homeowners. ...
TVA EnergyRight Home Efficiency Rebates
Any-income MLGW customer rebates for energy efficiency upgrades: heat pumps, ductless mini-splits, air sealing, insulati...
LIHEAP Energy Assistance (Tennessee)
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 Rebate Program
Tennessee IRA HOMES Efficiency Rebate Program launching Q3 2026. Rebates of $2,000-$8,000 for whole-home energy efficien...
USDA Section 504 Home Repair Loan & Grant
For rural homeowners. Grant (age 62+, very low income): up to $10,000 lifetime. Loan (any age, very low income): up to $...
FHA Title 1 Home Improvement Loan
Up to $25,000 for home improvements. Unsecured up to $7,500 (signature only). No equity requirement. Fills the gap when ...
FHA 203(k) Rehab Mortgage
Finance purchase + renovation in one loan. Limited 203(k) covers up to $75,000 non-structural repairs. Powerful for Memp...
VA Specially Adapted Housing (SAH) Grant
For veterans with permanent total service-connected disability (paraplegia, loss of limbs, legal blindness). Buy, build,...
VA Special Housing Adaptation (SHA) Grant
For veterans with specific service-connected disabilities (burns affecting hands/extremities, blindness in both eyes). A...
VA HISA Grant
Most accessible VA grant, any service-connected disability qualifies. Covers ramps, grab bars, accessible bathrooms, rol...
Tennessee Disabled Veteran Property Tax Relief
Tennessee reimburses property taxes on up to $175,000 of market value for veterans with permanent total disability, para...
Tennessee Property Tax Relief, Seniors & Disabled
State reimburses property taxes for Shelby County homeowners age 65+ or totally/permanently disabled with income at or b...
Federal Historic Tax Credit (20%)
20% federal tax credit on qualified rehabilitation costs for certified historic structures. Strong in Memphis given exte...
Residential Clean Energy Credit (30%)
30% federal tax credit on solar panels, battery storage, geothermal heat pumps. Verify current status, some energy credi...
MLGW Plus1 Utility Assistance
MLGW Plus1 program collects customer donations to assist neighbors facing utility shutoffs. Administered through local s...
FEMA Hazard Mitigation Grant Program (HMGP)
HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
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...
DOE Weatherization Assistance Program (WAP)
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
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...
HUD CDBG Home Repair Programs
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
American Red Cross Home Fire Campaign, Free Smoke Alarms
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA State Indoor Radon Grants, State Radon Programs
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks Network, Home Repair & Modification Programs
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
National Trust for Historic Preservation, Homeowner Resources
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
HUD Section 184 Indian Home Loan Guarantee
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Check program coordination before building a budget
A local grant, utility rebate, or tax credit may cover different parts of a project, but administrators set their own coordination rules. Confirm compatibility and payment timing with each official source.
Build a funding plan
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Contractor listings in Memphis
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