Home Improvement Grants in St. Louis.
Browse cataloged grants, rebates, loans, and other assistance records for St. Louis, MO. Verify each program's current rules, service area, and status.
The St. Louis, MO directory shows 41 cataloged resources. Of those, 35 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 35 records is $172,500, not an estimate of your award. Discovery tags include 12 senior-related records, 6 veteran-related records, and 15 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 | 30 | 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 | 0 | Eligible purchases, upfront payment, and claim timing | Directory classification; confirm official terms |
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Healthy Home Repair Program (HHRP)
City of St. Louis flagship home repair program. Code, health, and safety repairs. Under $10K: 5-year forgivable loan. Ov...
M:STL Minor Home Repair Program
Free minor repairs for seniors 60+ or persons with disabilities in St. Louis City. Covers safety/security (locks, lights...
Senior Minor Home Repair Program
For St. Louis City homeowners age 60 or older. Covers heating/cooling system repair, plumbing, electrical, interior/exte...
CDBG Home Repair Loan Pool
City of St. Louis allocated $1.9M in CDBG funds for the Home Repair Program Loan Pool in FY2026, plus $800K to Mission: ...
Commercial Facade Improvement Program
Forgivable loans of $5,000-$50,000 for exterior facade improvements on commercial properties in LMI areas, Metrolink cor...
St. Louis County Home Improvement Program (HIP)
CDBG-funded home improvement grants available to homeowners in participating St. Louis County municipalities. Covers fur...
Beyond Housing 24:1 Home Repair Program
100% free home repairs up to $15,000. Covers roofing, gutters, siding, windows, doors, tuck-pointing, concrete, electric...
Habitat for Humanity St. Louis, Home Repair
Minor Home Repair Program addressing critical health, safety, energy, and accessibility needs for City of St. Louis home...
Rebuilding Together St. Louis
Free home repairs for low-income homeowners in St. Louis City and County. As of July 2025, accepting new applications on...
May 2025 Tornado Recovery, Vacant Unit Turns
Following the May 16, 2025 tornado in North St. Louis, $2.5M Rams Settlement funds were deployed for Vacant Unit Turns: ...
Lead Hazard Reduction Grant (LHR)
$3.6M HUD Lead Hazard Reduction Grant for 240 housing units in St. Louis City. Covers lead inspection, risk assessment, ...
MHDC Home Repair Opportunity (HeRO)
MHDC uses its annual HOME allocation for non-cosmetic home repairs for income-qualifying single-family homeowners across...
Missouri Weatherization Assistance Program (WAP)
Free weatherization for households at or below 200% Federal Poverty Level. Covers insulation, air sealing, heating syste...
Spire Energy, Income-Eligible Weatherization
Spire (natural gas utility serving most of St. Louis) funds no-cost weatherization for qualifying customers on fixed/lim...
Ameren Missouri CommunitySavers, Income-Eligible
Free whole-home energy efficiency upgrades for income-eligible Ameren Missouri electric customers. Covers HVAC upgrades,...
LIHEAP Energy Assistance
Federally funded heating/cooling bill assistance freeing up household funds for home improvement. St. Louis City: Urban ...
Missouri Historic Preservation Tax Credit
25% state tax credit on qualified rehabilitation costs for certified historic structures in St. Louis (35% outside STL/K...
Missouri Neighborhood Preservation Act (NPA)
25% state tax credit on eligible costs for rehabilitation or new construction of owner-occupied homes in qualifying low-...
Missouri Property Tax Credit (Circuit Breaker)
Refundable tax credit for senior citizens (65+) and 100% disabled individuals. Effective January 1, 2026: income limit f...
Missouri Disabled Veterans Homestead Exemption
New Missouri law effective January 1, 2026. Veterans with service-connected disabilities receive property tax exemptions...
VA Specially Adapted Housing (SAH) Grant
For veterans with permanent total service-connected disability (e.g., loss of use of both legs, blindness). Buy, build, ...
VA Special Housing Adaptation (SHA) Grant
For veterans with service-connected blindness or severe burn injuries. Adapt existing home for independent living. Up to...
VA HISA Grant
Most accessible VA home modification grant, available for any service-connected disability. Covers ramps, grab bars, rol...
FHA 203(k) Rehab Mortgage
Finance home purchase + renovation in one FHA-insured loan. Limited 203(k) covers up to $75,000 non-structural repairs (...
FHA Title 1 Home Improvement Loan
HUD-insured home improvement loan up to $25,000. No equity required. Unsecured up to $7,500 (signature only). For habita...
USDA Section 504 Home Repair Loan & Grant
USDA loan up to $40,000 at 1% interest over 20 years for very-low-income homeowners. Grant up to $10,000 (lifetime) for ...
Residential Clean Energy Credit (Federal 30%)
30% federal tax credit on solar panels, battery storage, geothermal heat pumps, and small wind. No cap on credit. Claime...
The Housing Partnership, Down Payment Assistance
The Housing Partnership received $172,500 in FY2026 CDBG funds for Down Payment Assistance in the City of St. Louis. Hel...
Justine PETERSEN, Home & Small Business Loans
St. Louis CDFI offering credit-building, home loans, small business loans, and financial coaching for low-to-moderate in...
CAASTLC Energy Services (LIHEAP + Weatherization)
CAASTLC is the one-stop agency for St. Louis County energy assistance and weatherization. Administers Missouri WAP (free...
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...
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...
St. Louis City Emergency Home Repair Program
The City of St. Louis Emergency Home Repair Program provides grants to income-qualified homeowners for urgent health and...
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 St. Louis
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