Home Improvement Grants in St. Joseph.

Browse cataloged grants, rebates, loans, and other assistance records for St. Joseph, MO. Verify each program's current rules, service area, and status.

The St. Joseph, MO directory shows 23 cataloged resources. Of those, 22 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 22 records is $126,526, not an estimate of your award. Discovery tags include 6 senior-related records, 2 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
Grants15Repayment, tax, and possible lien termsDirectory classification; confirm official terms
Forgivable loans1Forgiveness schedule, residency, and lien termsDirectory classification; confirm official terms
Rebates5Eligible purchases, upfront payment, and claim timingDirectory classification; confirm official terms

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Showing all 23 resources (22 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 services

Missouri Weatherization Assistance Program (WAP)

Federal and state funded program that provides free weatherization improvements to income-eligible Missouri households. ...

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

USDA Section 504 Home Repair Loan & Grant

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

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Helps veterans with certain service-connected disabilities purchase or modify a home to meet their accessibility needs. ...

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

VA Special Housing Adaptation (SHA) Grant

Helps veterans with certain service-connected disabilities adapt a family member's home or their own home for accessibil...

Veterans
Forgivable loan up to $30,000

St. Joseph Owner-Occupied Rehabilitation Program

Provides major rehabilitation assistance to low- and moderate-income homeowners in St. Joseph city limits. Forgivable lo...

Home Repair
Grant up to $15,000

St. Joseph ADA Home Accessibility Program

Provides grants for accessibility modifications to enable seniors and persons with disabilities to remain safely in thei...

Seniors & Disability
Up to $5,000 grant

St. Joseph Senior Home Repair Assistance

Provides minor home repair and maintenance assistance to low-income seniors age 60 and older in St. Joseph to help them ...

Seniors & Disability
Grant up to $7,500

St. Joseph Sewer Lateral Repair Assistance

Assists low-income homeowners with the cost of repairing or replacing private sewer lateral lines from the home to the p...

Home Repair
$50 comprehensive home energy audit

Evergy Home Energy Audit Program

Professional energy auditor visits your home to identify energy-saving opportunities. Includes infrared imaging, blower ...

Energy
$50 air conditioning tune-up

Evergy A/C Tune-Up Program

Professional HVAC technician performs comprehensive air conditioning system tune-up for only $50. Service includes clean...

Energy
Up to $600 rebate

Evergy Heat Pump Rebate Program

Rebates for installation of qualifying high-efficiency electric heat pumps. Rebate amounts vary based on system efficien...

Energy
Up to $600 rebate

Evergy Home Insulation Rebate

Rebate for adding insulation to attics, walls, or crawl spaces in existing homes. Reduces heating and cooling costs by i...

Weatherization
Up to $100 rebate

Evergy Smart Thermostat Rebate

Rebate for purchasing and installing a qualifying smart thermostat. Smart thermostats automatically optimize heating and...

Energy
Instant discounts on LED bulbs

Evergy LED Lighting Discounts

Instant discounts on ENERGY STAR certified LED light bulbs at participating retailers in St. Joseph. LED bulbs use 75% l...

Energy
Up to $300 rebate

Evergy Electric Water Heater Rebate

Rebate for installation of qualifying high-efficiency electric water heaters or heat pump water heaters. Heat pump water...

Energy
Up to $500 in combined rebates

Evergy Weatherization Rebate Package

Comprehensive weatherization rebate package covering air sealing, duct sealing, and other envelope improvements. Reduces...

Weatherization
Free lead hazard assessment and abatement

Missouri Childhood Lead Poisoning Prevention Program

State program providing free lead testing, risk assessments, and abatement services for Missouri homes with children und...

Home Repair
Up to $1,100 tax credit

Missouri Property Tax Credit (Circuit Breaker)

State property tax credit for qualifying seniors age 65+ and 100% disabled individuals with low income. Credit reduces p...

Property Tax Relief
Varies by disaster declaration

Missouri Disaster Recovery Program

State-administered disaster recovery assistance following federally declared disasters. Provides grants and low-interest...

Disaster

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Local help in St. Joseph, MO

Organizations that help St. Joseph 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 St. Joseph, MO?

The directory includes 22 possible-program records associated with St. Joseph, 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 St. Joseph classified?

Our classifier labels 15 records as grants, 1 as forgivable loans, and 5 as rebates in St. Joseph. 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 St. Joseph?

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.