Find grants, rebates, forgivable loans, and free programs for Espanola, NM, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Espanola, NM, with individual awards up to $126,526. 8 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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 weatherization program providing energy efficiency upgrades at no cost to income-qualified New Mexico h...
USDA program offering low-interest loans and grants to very-low-income rural homeowners to repair, improve, or modernize...
New Mexico MFA provides affordable mortgage financing and down payment assistance for first-time homebuyers meeting inco...
CDBG-funded program providing major rehabilitation assistance to low-income owner-occupants in Espanola city limits. Loa...
Emergency grant program for Rio Arriba County residents facing urgent home repair needs that threaten health or safety. ...
JMEC offers rebates to members for energy-efficient appliances and home improvements including heat pumps, water heaters...
State program providing free lead hazard assessment and remediation for homes with children under 6 who have elevated bl...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their accessibility needs. ...
Helps veterans with certain service-connected disabilities adapt a family member's home where they reside. For veterans ...
State tax credit equal to 10% of solar installation costs, up to $6,000, for residential solar photovoltaic systems. Can...
State coordination with tribal housing programs serving enrolled members of New Mexico pueblos and tribes. Programs may ...
Annual property tax rebate for New Mexico residents age 65+ or 100% disabled with modified gross income below $32,000. R...
Federal program providing assistance with home heating and cooling costs for low-income households. Priority given to ho...
County program providing accessibility modifications for disabled and elderly residents. Covers wheelchair ramps, bathro...
State program assisting homeowners with failing septic systems or inadequate wastewater disposal. Provides grants and lo...
City rebate program encouraging water conservation through installation of low-flow toilets, efficient irrigation system...
Federal HOME funds administered by New Mexico MFA for rehabilitation of owner-occupied homes. Provides grants and forgiv...
State program providing cost-share assistance for creating defensible space around homes in wildfire-prone areas. Given ...
State tax credit equal to 50% of qualified rehabilitation expenses for historic homes. Given Espanola's 19% pre-war hous...
County emergency assistance for households facing immediate housing crisis, including utility shutoff, emergency repairs...
County program providing minor home repairs and maintenance services at no cost to seniors 60+ who cannot perform tasks ...
New Mexico Gas Company offers rebates for energy-efficient natural gas equipment including high-efficiency furnaces, wat...
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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26 programs are currently listed for Espanola, 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 Espanola, 18 programs do not require repayment, 2 are forgivable loans, and 4 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.