Find grants, rebates, forgivable loans, and free programs for Commerce, TX, filtered to your situation.
As of June 2026, 27 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Commerce, TX, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 14 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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 program providing free energy efficiency improvements to income-qualified households. Services include ...
Provides loans and grants to very-low-income homeowners in rural areas to repair, improve, or modernize their homes or r...
Rebates for residential customers who complete energy efficiency improvements through participating contractors. Covers ...
Rebate for installing high-efficiency electric heat pump systems that meet ENERGY STAR® requirements. Heat pumps provide...
Federal HOME funds distributed through local governments for owner-occupied housing rehabilitation. Provides grants or d...
Helps Veterans with certain service-connected disabilities purchase or modify a home to meet their disability-related ne...
Helps Veterans with certain service-connected disabilities adapt their permanent residence to accommodate their disabili...
Provides emergency home repairs for health and safety hazards to low-income homeowners. Administered through local Commu...
Provides home repair assistance to senior homeowners age 60+ in Hunt County with limited income. Covers minor to moderat...
Provides incentives for residential solar photovoltaic system installations in Oncor service territory. Incentive amount...
Federal tax credit covering 30% of the cost of solar energy systems installed on residential properties. Includes solar ...
Texas law exempts the added home value from solar or wind energy devices from property tax assessment. Homeowners do not...
Texas homeowners age 65 or older receive a minimum $10,000 property tax exemption on their homestead, plus an additional...
Texas homeowners who qualify for Social Security disability benefits receive a minimum $10,000 property tax exemption on...
All Texas homeowners who own and occupy their primary residence qualify for a homestead exemption that reduces the taxab...
Rebate for purchasing and installing qualifying high-efficiency electric water heaters or heat pump water heaters. Heat ...
Provides financial assistance to income-qualified homeowners for repair or replacement of failing private sewer lateral ...
Provides grants to low-income homeowners with disabilities for accessibility modifications including wheelchair ramps, w...
HUD-funded program to identify and remove lead-based paint hazards in homes built before 1978 with children under age 6....
Rebate for replacing existing windows with ENERGY STAR certified windows that improve home energy efficiency. Rebate amo...
HUD Community Development Block Grant Disaster Recovery (CDBG-DR) funds administered after major federally-declared disa...
Low-interest deferred loan program for critical foundation repairs to owner-occupied homes. Loan is deferred (no monthly...
Emergency grant program for roof replacement or major repair when the existing roof poses a health or safety hazard. Pri...
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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27 programs are currently listed for Commerce, 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 Commerce, 20 programs do not require repayment, 2 are forgivable loans, and 4 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.