Find grants, rebates, forgivable loans, and free programs for Gallup, NM, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Gallup, NM, with individual awards up to $126,526. 4 programs target seniors, 3 serve veterans, and 11 require no income limit.
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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 that provides free weatherization services to income-eligible households in New Mexico. Service...
Allows homebuyers or refinancing homeowners to finance up to $50,000 in home repairs into a single mortgage. Repairs mus...
Provides grants to very low-income homeowners age 62+ in rural areas to remove health and safety hazards. Grant does not...
Low-interest loans up to $40,000 for very low-income rural homeowners to repair, improve, or modernize their homes. Loan...
Provides forgivable loans for major home repairs to low-income homeowners within Gallup city limits. Loan is forgiven af...
Provides emergency repair grants for immediate health and safety hazards in owner-occupied homes. Priority given to very...
Provides accessibility modifications for low-income homeowners with disabilities in Gallup. Grant covers ramps, widened ...
Helps veterans with certain service-connected disabilities adapt or purchase a specially adapted home. Qualifying disabi...
Helps veterans with certain service-connected disabilities adapt their residence. Qualifying disabilities include blindn...
Rebate for CDEC members who install qualifying high-efficiency electric heat pumps. Rebate amounts vary by equipment eff...
Rebate for CDEC members who install qualifying electric water heaters, including heat pump water heaters. Higher rebates...
Rebates for CDEC members who purchase ENERGY STAR certified refrigerators, freezers, and other qualifying appliances. Pr...
State tax credit equal to 10% of the purchase and installation costs of a solar photovoltaic system, up to $6,000. Can b...
State tax credit equal to 10% of the purchase and installation costs of a geothermal ground-coupled heat pump system, up...
HUD-funded program to identify and remove lead-based paint hazards in homes built before 1978. Priority given to homes w...
Property tax exemption for New Mexico residents age 65+ or totally disabled veterans. Exempts $8,000 of assessed propert...
Property tax exemption for veterans with 100% service-connected disability rating. Exempts up to $250,000 of primary res...
Federal HOME program providing forgivable loans for comprehensive home rehabilitation to low-income homeowners. Loan is ...
Down payment and closing cost assistance for first-generation homebuyers in New Mexico. Assistance is a 0% deferred loan...
Provides grants to low-income homeowners in underserved communities for septic tank repair or replacement. Addresses fai...
Assists low-income homeowners with repair or replacement of private water and sewer service laterals on their property. ...
Federal tax credit equal to 30% of the cost of installing a solar energy system on your home. Includes solar panels, bat...
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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