Find grants, rebates, forgivable loans, and free programs for El Cerrito, CA, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in El Cerrito, CA, with individual awards up to $126,526. 2 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 | 14 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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 deferred loans to low-income homeowners in El Cerrito for major home repairs and code compliance. Loan is forgi...
Provides grants for accessibility modifications to owner-occupied homes in El Cerrito where a household member has a doc...
Assists low-income homeowners with the cost of repairing or replacing private sewer laterals in El Cerrito. Grant does n...
Federally funded weatherization services for income-eligible households in El Cerrito administered through Contra Costa ...
Provides rebates for comprehensive whole-home energy efficiency upgrades for PG&E residential customers in El Cerrito. R...
Rebates for qualifying heat pump water heaters installed by participating contractors. Higher rebates available for low-...
Rebates for qualifying high-efficiency central air conditioners and heat pump systems installed in PG&E service territor...
Free energy efficiency improvements for income-qualified PG&E customers including insulation, weatherization, appliances...
Provides free or low-cost solar panel installation for low-income homeowners in designated disadvantaged communities wit...
Incentives for residential battery storage systems installed by PG&E customers. Higher incentives available for low-inco...
Free lead hazard assessment and remediation for homes built before 1978 with children under age 6 or pregnant women. Ser...
Low-interest loans and grants for very low-income homeowners in designated rural areas to repair, improve, or modernize ...
Grants for veterans with certain service-connected disabilities to construct or modify a home to meet their adaptive nee...
Grants for veterans with certain service-connected disabilities to adapt a home for independent living. Covers modificat...
Federally funded HOME program providing deferred loans for comprehensive home repairs in unincorporated Contra Costa Cou...
Provides up to $3,000 toward seismic retrofits for eligible homes in participating California zip codes including El Cer...
Rebates for home hardening improvements that reduce wildfire risk in Bay Area communities. Covers Class A fire-rated roo...
Rebates for planting approved tree species on private property in El Cerrito to enhance urban forest canopy and reduce h...
Property Assessed Clean Energy (PACE) financing for energy and water efficiency improvements, renewable energy, and seis...
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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23 programs are currently listed for El Cerrito, 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 El Cerrito, 14 programs do not require repayment, 2 are forgivable loans, 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.