Find grants, rebates, forgivable loans, and free programs for El Paso, TX, filtered to your situation.
As of June 2026, 40 home improvement grant, rebate, and forgivable loan programs are open to homeowners in El Paso, TX, with individual awards up to $126,526. 9 programs target seniors, 3 serve veterans, and 21 require no income limit.
Data last verified 2026-05-24. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 24 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 5 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 9 | 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 services to low-income households in El Paso County. Services inc...
CDBG-funded forgivable loan program for major home repairs to owner-occupied properties in El Paso. Loan is forgiven aft...
Provides emergency repair grants for urgent health and safety issues in owner-occupied homes. Priority for seniors age 6...
Provides grants for accessibility modifications to homes occupied by persons with disabilities or seniors. Includes ramp...
Low-interest loans and grants for very low-income homeowners in eligible rural areas of El Paso County to repair, improv...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to meet their needs. Covers m...
Grant for veterans with certain service-connected disabilities to make necessary adaptations to their home. Covers modif...
Rebate for residential customers who purchase and install qualifying high-efficiency central air conditioning systems. U...
Rebate for residential customers installing qualifying high-efficiency electric heat pump systems. Higher rebates availa...
Rebate for adding insulation to attics, walls, or floors in existing homes. Must meet minimum R-value requirements and b...
Rebate for installing high-efficiency electric water heaters including heat pump water heaters. Higher rebates available...
Rebate for replacing old toilets with WaterSense-labeled high-efficiency models that use 1.28 gallons per flush or less....
Rebate program for converting traditional grass lawns to water-efficient xeriscape landscaping. Covers 50% of project co...
Rebate for installing WaterSense-labeled smart irrigation controllers that automatically adjust watering schedules based...
Federal HOME funds administered by TDHCA for owner-occupied home rehabilitation. Forgivable loans for low-income househo...
Free lead hazard assessment and remediation for homes built before 1978 with children under age 6 or pregnant women. Pri...
Grant program for seniors age 62 and older in unincorporated El Paso County. Provides emergency and minor home repairs t...
Forgivable loan program to assist low and moderate-income homeowners with repair or replacement of private sewer lateral...
Incentive for residential customers who install qualifying solar photovoltaic systems. Payment based on system size in k...
Housing assistance programs for active-duty military families and eligible veterans associated with Fort Bliss. Includes...
CDBG Disaster Recovery funds for homeowners affected by federally-declared disasters in Texas. Provides grants for home ...
Property tax incentive for owners who rehabilitate historic properties in designated El Paso historic districts. Freezes...
Federal tax credit covering 30% of the cost to install solar panels on residential properties. Includes equipment, labor...
Federal tax credit for energy-efficient home improvements including windows, doors, insulation, heat pumps, and water he...
State-funded program providing grants for home repairs to low and moderate-income homeowners in participating counties. ...
Federal LIHEAP funds administered by Texas HHS to help low-income households pay heating and cooling bills. Priority for...
Reimbursement program for residential fire sprinkler installation in existing homes. Covers 50% of installation costs up...
Additional homestead exemption for homeowners age 65 and older in El Paso County. Provides $10,000 off property value fo...
Additional homestead exemption for homeowners with certified disabilities in El Paso County. Provides $10,000 off proper...
Forgivable loan program for low and moderate-income homeowners in unincorporated El Paso County to repair or replace fai...
Rebate program for low-income homeowners to install radon mitigation systems in homes with elevated radon levels. Requir...
Deferred-payment loan for foundation repairs due to soil movement in El Paso's clay soils. Available to low and moderate...
Free and low-cost native desert tree distribution program to promote water-efficient landscaping and reduce cooling cost...
Comprehensive rehabilitation assistance for homeowners in targeted El Paso neighborhoods experiencing disinvestment. Com...
Rebate for replacing single-pane windows with Energy Star certified double or triple-pane windows. Reduces heat gain in ...
Forgivable loan program specifically for owners of manufactured homes (mobile homes) on permanent foundations. Addresses...
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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40 programs are currently listed for El Paso, 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 Paso, 24 programs do not require repayment, 5 are forgivable loans, and 9 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.