Find grants, rebates, forgivable loans, and free programs for Arcata, CA, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Arcata, CA, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | Refunded to you after purchase | Energy-efficiency upgrades |
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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...
Provides forgivable loans to low-income owner-occupants in Arcata for major home repairs and rehabilitation. Loan is for...
Provides emergency grants for owner-occupied households in Arcata with income at or below 50% AMI. Covers urgent repairs...
PG&E offers rebates for qualifying energy-efficient upgrades including heat pumps, water heaters, insulation, and HVAC s...
RCEA provides free weatherization services to income-qualified residents in Humboldt County including Arcata. Services i...
State-funded weatherization program administered locally through RCEA for Humboldt County residents. Provides comprehens...
State-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under 6 reside. Ser...
USDA offers low-interest loans up to $40,000 for low-income homeowners in eligible rural areas near Arcata to repair or ...
USDA grant program for very low-income homeowners age 62+ in eligible rural areas to remove health and safety hazards. G...
VA grant for veterans with certain service-connected disabilities to adapt or purchase an adapted home. Covers wheelchai...
VA grant for veterans with certain service-connected disabilities to make adaptations to a family member's home where th...
County program providing grants to low-income homeowners with disabilities for accessibility modifications. Covers ramps...
Low-interest loan program for Arcata homeowners to repair or replace private sewer laterals. Helps prevent sewage backup...
RCEA offers rebates for residential solar installations in Arcata and throughout Humboldt County. Incentive amount varie...
Federal tax credit for 30% of the cost of installing solar panels and battery storage. Available to all Arcata homeowner...
PG&E offers enhanced rebates for qualifying electric heat pump systems that replace gas furnaces or old electric systems...
PG&E provides rebates for installing qualifying electric heat pump water heaters. These efficient systems use electricit...
Grant program for low-income seniors age 60+ in Humboldt County to make minor home repairs and accessibility improvement...
State program providing reimbursements for wildfire home hardening improvements in high-risk areas. Covers fire-resistan...
State program offering grants to help homeowners retrofit older houses with vulnerable crawl spaces. Reduces earthquake ...
State program providing mortgage payment assistance to homeowners who experienced financial hardship due to COVID-19 or ...
State rebate for purchase of portable generators or battery backup systems for residents with medical needs during power...
Provides home improvement grants to enrolled Yurok Tribal members living in Humboldt County. Covers major repairs, rehab...
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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26 programs are currently listed for Arcata, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Arcata, 17 programs do not require repayment, 1 is forgivable loan, and 5 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.