Find grants, rebates, forgivable loans, and free programs for Garland, TX, filtered to your situation.
As of June 2026, 31 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Garland, TX, with individual awards up to $126,526. 5 programs target seniors, 4 serve veterans, and 13 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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...
Provides grants and forgivable loans for major home repairs to income-qualified homeowners in Garland. Funds can address...
Assists income-qualified Garland homeowners with disabilities in making accessibility modifications such as ramps, widen...
Provides grants for critical home repairs to income-qualified senior homeowners (age 62+) in Garland. Priority given to ...
Offers rebates to Garland Power & Light customers for qualifying energy-efficient HVAC systems, insulation, water heater...
Provides rebates for Garland Power & Light customers installing qualifying high-efficiency heat pump systems. Rebate amo...
Offers incentives for Garland Power & Light customers installing qualifying solar photovoltaic systems. Incentive based ...
Provides assistance to income-qualified homeowners for repair or replacement of private water and sewer lateral lines co...
Federally funded weatherization program administered by TDHCA serving Garland residents. Provides free energy-efficiency...
Federal HOME Investment Partnerships Program funds administered by TDHCA for major home repairs and rehabilitation. Forg...
HUD-funded program to identify and remediate lead-based paint hazards in pre-1978 homes with children under age 6. Servi...
Low-interest loan program for very low-income homeowners in eligible rural areas near Garland to repair or modernize the...
Grant for very low-income homeowners age 62+ in eligible rural areas to remove health and safety hazards. Can be combine...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their needs. Available to q...
Helps veterans with certain service-connected disabilities adapt a home to meet their needs. For veterans with mobility ...
Low-interest home improvement loans for Texas veterans. Competitive interest rates and flexible terms for repairs, impro...
County-administered program to reduce lead-based paint hazards in homes built before 1978 with children under 6. Free se...
State-mandated property tax exemption for homeowners in Garland. Exempts portion of home value from property taxes. Addi...
Freezes school property taxes at the current amount for qualifying homeowners age 65+ or disabled in Garland. Prevents t...
Provides property tax exemptions for disabled veterans based on disability rating. Veterans with 100% disability rating ...
Rebates for Atmos Energy natural gas customers in Garland who install qualifying high-efficiency furnaces, water heaters...
CDBG Disaster Recovery funds administered after federally declared disasters. Provides home repair and reconstruction as...
FEMA-funded program to reduce risk of future disaster damage. May include elevation, floodproofing, acquisition, or safe...
State-funded program providing grants for home repairs to very low-income homeowners. Administered through local service...
Specialized assistance for foundation repairs caused by soil movement, common in North Texas. Forgivable loan for income...
Provides grants and low-interest loans for repair or replacement of failing septic systems. Available to income-qualifie...
Down payment and closing cost assistance for first-time homebuyers in Garland. Forgivable loan or grant combined with co...
Provides heating and cooling assistance to income-eligible Texas households through local service providers. Includes cr...
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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31 programs are currently listed for Garland, 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 Garland, 20 programs do not require repayment, 4 are forgivable loans, and 3 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.