Find grants, rebates, forgivable loans, and free programs for El Mirage, AZ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in El Mirage, AZ, with individual awards up to $126,526. 8 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 | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | 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...
Federally funded program providing free weatherization improvements to income-qualified Arizona households. Services inc...
State-funded home rehabilitation program for low-income owner-occupants needing substantial repairs. Loan is forgiven af...
City of El Mirage provides emergency home repair grants for owner-occupied households with income at or below 80% AMI. C...
Provides forgivable loans for ADA accessibility modifications to owner-occupied homes in El Mirage. Covers wheelchair ra...
County-administered weatherization program providing free energy efficiency upgrades to low-income households in Maricop...
APS customers in El Mirage can get a professional air conditioning tune-up for $49 (a $200 value). Service includes clea...
APS offers rebates for installing qualifying high-efficiency central air conditioning units in homes. Rebate amounts var...
APS customers can receive rebates for installing ENERGY STAR certified heat pump systems. Rebates are $500 for 16+ SEER ...
APS customers who install an ENERGY STAR certified heat pump water heater can receive a $300 rebate. Heat pump water hea...
APS Solar Partner Program allows homeowners with rooftop solar to sell excess energy back to the grid. Customers receive...
Federal Investment Tax Credit (ITC) allows homeowners to deduct 30% of solar installation costs from federal taxes. Cred...
USDA provides loans up to $27,500 and grants up to $10,000 for very low-income homeowners to repair or improve their hom...
VA grant for veterans with certain service-connected disabilities to adapt or purchase a home. Covers modifications such...
VA grant for veterans with certain service-connected disabilities to adapt a family member's home in which they will res...
HUD-funded program providing free lead-based paint hazard reduction in pre-1978 homes with children under age 6. Service...
Low-interest loan program for Maricopa County homeowners to repair or replace failing sewer lateral lines. Loan terms up...
Grant program for Arizona seniors (60+) to complete minor home repairs that enable aging in place. Covers essential repa...
Comprehensive home energy efficiency program offering rebates for whole-home improvements. Includes energy assessment, i...
APS offers rebates for adding insulation to attics and walls. Rebate is $0.50 per square foot for attic insulation and $...
Arizona law allows homeowners 65+ with total household income of $39,814 or less to freeze their property's assessed val...
Federally funded HOME program providing forgivable loans for substantial home rehabilitation in unincorporated Maricopa ...
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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25 programs are currently listed for El Mirage, 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 Mirage, 15 programs do not require repayment, 3 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.