Find grants, rebates, forgivable loans, and free programs for Cotati, CA, filtered to your situation.
As of June 2026, 19 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cotati, CA, with individual awards up to $200,000. 2 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 13 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 0 | 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 administered by California that provides free energy efficiency improvements to income-qualifie...
Property Assessed Clean Energy (PACE) financing for energy efficiency, renewable energy, and water conservation improvem...
PG&E rebates for installing qualifying electric heat pump systems in Cotati. Incentivizes switching from gas to efficien...
PG&E rebates for installing Level 2 electric vehicle chargers at Cotati residences. Helps reduce installation costs and ...
California statewide incentive for home battery storage systems in Cotati. Higher incentives available for low-income ho...
Federal Investment Tax Credit (ITC) providing 30% tax credit for solar photovoltaic systems and battery storage installe...
Rebates for water-efficient fixtures, appliances, and landscaping in Cotati. Includes high-efficiency toilets, smart irr...
USDA grants (up to $27,500 for seniors 62+) and low-interest loans (up to $40,000) for very low-income homeowners in eli...
Grant for veterans with certain service-connected disabilities to adapt a home in Cotati for wheelchair accessibility an...
Grant for veterans with certain service-connected disabilities (blindness or loss of use of both hands) to adapt a home ...
Federally funded weatherization program for low-income Cotati residents. Provides free energy audits and weatherization ...
Provides free lead hazard assessments and remediation for Cotati homes where a child under 6 has elevated blood lead lev...
Provides financial assistance to eligible Cotati homeowners experiencing financial hardship. Covers past-due mortgage pa...
Provides down payment assistance equal to 20% of purchase price for first-time homebuyers in Cotati. Shared appreciation...
Provides grants for flood mitigation projects in flood-prone areas of Cotati. Can include home elevation, acquisition, r...
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.
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19 programs are currently listed for Cotati, 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 Cotati, 13 programs do not require repayment, 0 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.