Find grants, rebates, forgivable loans, and free programs for Elk Grove, CA, filtered to your situation.
As of June 2026, 30 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Elk Grove, CA, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 7 | 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 services to income-qualified households in Sacramento County. Ser...
Provides down payment and closing cost assistance for first-time homebuyers in California. Offers 3.5% or 3% of purchase...
SMUD offers rebates for upgrading to high-efficiency heat pumps and central air conditioning systems. Rebate amounts var...
Incentive for residential customers installing battery energy storage systems, either standalone or paired with solar. R...
Provides deferred, zero-interest loans to income-qualified homeowners in unincorporated Sacramento County for major home...
Provides emergency repair grants for very low-income homeowners facing immediate health and safety hazards such as roof ...
Provides zero-interest deferred loans to income-qualified homeowners needing accessibility modifications for household m...
HUD-funded program providing free lead hazard assessment and remediation for Sacramento County homes built before 1978 w...
CDBG-funded program providing deferred, zero-interest loans to low- and moderate-income homeowners in Elk Grove for esse...
Grant program for Elk Grove homeowners age 62 and older to address urgent repairs and safety modifications. Covers emerg...
Provides low-interest loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or mode...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Av...
Helps veterans with certain service-connected disabilities adapt a family member's home where they will live. Available ...
Property Assessed Clean Energy (PACE) financing allowing Elk Grove homeowners to finance energy-efficient and renewable ...
Provides down payment assistance equal to 20% of home purchase price for first-time and first-generation homebuyers. Loa...
Provides a 35% discount on monthly electric bills for income-qualified SMUD customers. Additional free services include ...
California Alternate Rates for Energy (CARE) program provides 20% or more discount on monthly gas and electric bills for...
Provides zero-interest deferred loans to income-qualified homeowners for repair or replacement of failing water or sewer...
Provides grants to help homeowners build accessory dwelling units (ADUs) that will be rented to low- or moderate-income ...
Provided mortgage payment assistance, reinstatement assistance, and other aid to homeowners financially impacted by COVI...
Provides a forgivable second mortgage of up to $30,000 to help first-time homebuyers with down payment and closing costs...
Rebate program to help Elk Grove homeowners repair or replace failing private sewer laterals. Rebate covers up to 50% of...
Offers deeply discounted shade trees to SMUD customers to reduce summer cooling costs. Trees are available at spring and...
Offers $50 rebate for recycling old working air conditioners or refrigerators through SMUD's free pick-up service. Helps...
Rebate for upgrading to an energy-efficient heat pump water heater. Heat pump water heaters use up to 70% less energy th...
Allows eligible senior, blind, or disabled homeowners to defer payment of property taxes on their primary residence. Sta...
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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30 programs are currently listed for Elk Grove, 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 Elk Grove, 15 programs do not require repayment, 7 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.