Find grants, rebates, forgivable loans, and free programs for Houston, TX, filtered to your situation.
As of June 2026, 60 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Houston, TX, with individual awards up to $135,000. 19 programs target seniors, 11 serve veterans, and 25 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 46 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 7 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 1 | Refunded to you after purchase | Energy-efficiency upgrades |
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The City of Houston's HCD administers multiple home repair programs providing assistance for minor, moderate, and substa...
The HAP provides up to $50,000 in down payment and closing cost assistance to income-qualified first-time homebuyers pur...
The Houston Health Department's Lead-Based Paint Hazard Control Program reduces lead hazards in privately-owned or renta...
Harris County's Home Repair Program addresses health and safety hazards in homes owned and occupied by low-income reside...
The Harris County Single-Family Reconstruction Program rebuilds unsafe, uninhabitable single-family homes for low-to-mod...
Harris County provides grants of up to $40,000 to repair or replace failing water wells and septic systems that pose hea...
Houston Habitat for Humanity's Critical Home Repair Program addresses urgent roof and plumbing repairs for low-income ho...
Funded through the American Rescue Plan Act (ARPA) in partnership with Harris County HCD, this program delivers up to $6...
Rebuilding Together Houston has provided no-cost home repairs to low-income Houston-area homeowners for more than 30 yea...
Avenue CDC serves over 7,000 Houstonians annually through affordable homeownership, family asset building, and community...
BakerRipley distributes TDHCA's Comprehensive Energy Assistance Program (CEAP/LIHEAP) funds to help low-income household...
Houston Volunteer Lawyers (HVL), the pro bono arm of the Houston Bar Association, connects low-income Harris County resi...
TDHCA's Weatherization Assistance Program installs energy-saving materials, including insulation, weather-stripping, cau...
TDHCA's Comprehensive Energy Assistance Program (CEAP) is the Texas implementation of the federal Low Income Home Energy...
TDHCA's My First Texas Home program provides down payment and closing cost assistance of up to 5% of the mortgage loan a...
TDHCA's Homeowner Reconstruction Assistance program, funded through HUD's HOME Investment Partnerships Program, funds lo...
TSAHC's Homes for Texas Heroes provides 3-5% down payment grants (true grants, no repayment required) paired with 30-yea...
Texas law requires school districts to provide a $100,000 residence homestead exemption on property values, reducing sch...
Texans age 65 or older, or those with a qualifying disability, receive an additional $60,000 school district property ta...
Texas provides property tax exemptions to disabled veterans scaled to their VA disability rating. Veterans with a 100% P...
The Texas Historic Preservation Tax Credit provides a 25% state tax credit for the rehabilitation of certified historic ...
The VA's SAH grant helps veterans with specific service-connected disabilities build, buy, or modify a home to meet thei...
The SHA grant assists veterans who have qualifying service-connected disabilities, such as blindness in both eyes with 2...
The VA HISA grant provides funding for home improvements and structural alterations needed for a veteran's medical treat...
The TRA grant allows SAH- or SHA-eligible veterans to adapt a temporary residence (such as a family member's home) while...
The USDA Section 504 program provides loans up to $40,000 at 1% interest (20-year term) to very-low-income homeowners to...
The FHA 203(k) program allows homebuyers and homeowners to finance up to 110% of a home's post-renovation value for purc...
FHA Title I loans provide HUD-insured financing through approved private lenders for permanent home improvements. Loans ...
Homeowners who install qualified clean energy systems, solar panels, small wind turbines, battery storage (3 kWh+), geot...
Homeowners can claim a 30% annual federal tax credit up to $3,200 per year for qualified energy-efficiency improvements ...
CenterPoint Energy's CoolSaver Program provides a free comprehensive A/C tune-up to customers in CenterPoint's Houston e...
CenterPoint Energy's Standard Offer Program (SOP) and residential rebate programs offer cash-back incentives for energy-...
CenterPoint Energy's Agencies in Action program provides free whole-house energy audits and weatherization upgrades to i...
BakerRipley operates one of the largest VITA (Volunteer Income Tax Assistance) networks in Houston, providing free feder...
The Harris County Flood Control District operates voluntary home buyout programs using FEMA and HUD CDBG-DR funding, pur...
TDHCA's Homeowner Assistance Fund (HAF), funded by the American Rescue Plan Act, helps Texas homeowners who experienced ...
The Harris County Housing Finance Corporation administers down payment assistance programs for Harris County homebuyers ...
HCD's Disaster Recovery Division administers HUD CDBG-DR funded programs for homeowners impacted by declared disasters, ...
HUD's Lead Hazard Reduction Grant Program funds local governments and nonprofits to remediate lead paint and other housi...
The Federal Historic Rehabilitation Tax Credit provides a 20% federal income tax credit for certified rehabilitations of...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
The AYBR Program provides one-time grants of up to $22,500 to households with a Person with a Disability who need home m...
The Veterans Home Improvement Program offers below-market interest rate loans to qualified Texas veterans and active-dut...
The Home Sweet Texas Home Loan Program provides 30-year fixed-rate mortgage loans combined with down payment assistance ...
The Texas Ramp Project is a nonprofit that builds free custom wheelchair ramps for low-income individuals with disabilit...
CPS Energy's Casa Verde program provides free weatherization improvements, including insulation, air sealing, solar scre...
The Texas GLO 2024 Disasters Homeowner Assistance Program provides repair and reconstruction assistance to owner-occupie...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Workforce Solutions Greater Houston, one of Texas's largest workforce boards, administers WIOA programs across 13 counti...
Texas Workforce Commission Child Care Services provides financial assistance for child care to low-income families. Elig...
Harris County Department of Education operates one of the largest Head Start programs in the nation, serving thousands o...
Houston's Emergency Home Repair Program provides forgivable loans up to $65,000 to income-qualified homeowners for emerg...
The SBA South Texas District Office in Houston serves small businesses throughout the Houston metro area. Programs inclu...
The City of Houston Economic Development Department supports small businesses through various grant and loan programs ad...
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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60 programs are currently listed for Houston, including City of Houston Single-Family Home Repair Program, City of Houston Homebuyer Assistance Program (HAP), Houston Lead-Based Paint Hazard Control Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Houston, 46 programs do not require repayment, 7 are forgivable loans, and 1 is rebate.
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.