Find grants, rebates, forgivable loans, and free programs for Cottonwood, AZ, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Cottonwood, AZ, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 8 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | 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...
CDBG-funded rehabilitation program for owner-occupied homes in Cottonwood requiring major repairs. Forgivable loan after...
Provides emergency home repairs for owner-occupied households in Cottonwood with income at or below 50% AMI. Covers item...
Federally funded weatherization program that reduces energy costs through home improvements including insulation, air se...
Incentive for APS customers installing rooftop solar and battery storage systems. Combines upfront cash incentives with ...
Rebate for APS customers upgrading to high-efficiency air conditioning units (16+ SEER). Equipment must be installed by ...
Rebate for APS customers installing ENERGY STAR certified heat pump water heaters. Must replace existing electric or gas...
Comprehensive rebate program for multiple home energy improvements including insulation, air sealing, duct sealing, and ...
HUD-funded program to reduce lead-based paint hazards in qualifying Arizona homes built before 1978 with children under ...
Provides grants up to $10,000 for very low-income homeowners age 62+ to remove health and safety hazards, or loans up to...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Co...
Helps veterans with certain service-connected disabilities adapt a family member's home in which they will reside. Cover...
Federal HOME funds administered by Arizona Department of Housing for owner-occupied rehabilitation of homes needing subs...
CDBG-funded grant to modify homes for residents with disabilities. Covers ramps, widened doorways, accessible bathrooms,...
Financial assistance for homeowners needing to repair or replace private sewer lateral connections. Available as grant f...
State-funded program providing forgivable loans for substantial home rehabilitation to bring properties up to code and h...
Low Income Home Energy Assistance Program (LIHEAP) provides help with heating and cooling costs, energy crisis assistanc...
Down payment assistance for first-time homebuyers in Arizona purchasing in Cottonwood. Offers forgivable second mortgage...
Annual property tax refund for Arizona residents age 65+ with total household income of $16,271 or less (2024 limit). He...
Housing repair and improvement grants for enrolled Yavapai-Apache Nation members living on or near tribal lands. Covers ...
State-administered disaster recovery program activated after federal disaster declarations. Provides grants for unmet ho...
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 Cottonwood, 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 Cottonwood, 15 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.