Find grants, rebates, forgivable loans, and free programs for Capitola, CA, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Capitola, CA, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 14 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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...
Federally-funded weatherization services for income-eligible households in Santa Cruz County. Provides energy efficiency...
CDBG-funded home rehabilitation loans for low-income owner-occupants in Capitola. Covers major repairs including roofing...
Provides emergency home repair grants for very low-income owner-occupants in Capitola city limits. Covers urgent health ...
CDBG-funded accessibility modifications for low-income Capitola homeowners with disabilities or seniors. Includes wheelc...
Low-interest loan program for Capitola property owners needing to repair or replace private sewer laterals. Loans are re...
PG&E rebate for installation of qualifying heat pump water heaters in Capitola homes. Rebate amounts vary by income leve...
PG&E rebate for installation of ductless or central heat pump HVAC systems in Capitola. Rebate amounts vary by income le...
PG&E rebate for attic, wall, and floor insulation upgrades in Capitola homes. Base rebate of $1,500 for all customers, w...
PG&E customers in Capitola are eligible for federal solar investment tax credit (30% of system cost) plus PG&E net energ...
CAL FIRE grant program for wildfire mitigation in high-risk areas of Santa Cruz County including parts of Capitola. Cove...
State-funded lead hazard reduction program for qualifying homes in Santa Cruz County with children under age 6. Covers l...
CalHFA down payment assistance program providing 3.5% of the purchase price as a deferred-payment junior loan for first-...
USDA loan program for very low-income homeowners in eligible rural areas near Capitola to repair or improve their homes....
USDA grant for very low-income homeowners age 62 or older in USDA-eligible rural areas near Capitola to remove health an...
VA grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their disabili...
VA grant for veterans with certain service-connected disabilities to adapt a home to meet their needs. Eligible disabili...
Santa Cruz County program providing small home repair grants for low-income seniors age 60+ in Capitola. Covers safety-r...
HUD HOME-funded rehabilitation program for low-income owner-occupants in unincorporated Santa Cruz County and participat...
Santa Cruz County program for low-income mobile home owners in Capitola and unincorporated areas. Provides repairs to ad...
California Alternate Rates for Energy (CARE) program provides a 20% discount on monthly electric and gas bills for incom...
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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24 programs are currently listed for Capitola, 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 Capitola, 14 programs do not require repayment, 4 are forgivable loans, and 3 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.