Home Improvement Grants in Laguna Niguel.

Find grants, rebates, forgivable loans, and free programs for Laguna Niguel, CA, filtered to your situation.

As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Laguna Niguel, CA, with individual awards up to $150,000. 6 programs target seniors, 2 serve veterans, and 13 require no income limit.

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Showing 25 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $150,000 or 20% of purchase price

California Dream For All Shared Appreciation Loan

CalHFA's Dream For All program provides down payment assistance loans for first-time homebuyers purchasing in California...

Homebuyer
Up to $8,000 in weatherization services

California Weatherization Assistance Program

Federally-funded weatherization program administered by the state provides free energy efficiency improvements to low-in...

Weatherization
Free home energy assessment

SDG&E Home Energy Checkup

Free virtual or in-person home energy assessment for SDG&E customers. Includes personalized recommendations, free LED bu...

Energy
Up to $2,500 rebate

SDG&E HVAC Equipment Rebate

SDG&E offers rebates for installing high-efficiency HVAC equipment including central air conditioners, heat pumps, and d...

Energy
Up to $1,800 rebate

SDG&E Heat Pump Water Heater Rebate

Rebate for installing an ENERGY STAR certified heat pump water heater to replace electric resistance or natural gas wate...

Energy
Up to $1,500 rebate

SDG&E Home Insulation Rebate

Rebates for adding insulation to attics, walls, and floors in existing homes. Must meet minimum R-value requirements. Pr...

Weatherization
Net metering credits available

SDG&E Solar and Battery Incentive

SDG&E offers net energy metering (NEM 3.0) for solar panel systems, allowing customers to receive bill credits for exces...

Solar/Renewable
30-35% monthly bill discount

SDG&E California Alternate Rates for Energy (CARE)

California's CARE program provides a 30-35% discount on monthly gas and electric bills for qualifying low-income househo...

Energy
18% monthly electric bill discount

SDG&E Family Electric Rate Assistance (FERA)

FERA provides an 18% discount on monthly electric bills for households with three or more persons whose income is slight...

Energy
Deferred loan up to $35,000

Orange County Owner-Occupied Rehabilitation Program

Orange County provides deferred, no-interest loans for major home repairs to low-income homeowners. Loan is deferred and...

Home Repair
Up to $25,000 deferred loan

Orange County Accessibility Modification Program

Provides deferred loans to modify homes for accessibility for elderly or disabled homeowners. Covers wheelchair ramps, b...

Seniors & Disability
Up to $10,000 grant

City of Laguna Niguel Emergency Home Repair Grant

City emergency grant for urgent health and safety repairs to owner-occupied homes. Covers emergency plumbing, electrical...

Emergency
$3 per square foot of turf removed

Municipal Water District Turf Replacement Rebate

Rebate program for removing grass lawns and replacing with drought-tolerant landscaping. Pays $3 per square foot of turf...

Home Repair
Up to $80 per controller

MWDOC Smart Irrigation Controller Rebate

Rebate for installing weather-based smart irrigation controllers that automatically adjust watering schedules based on w...

Home Repair
Up to $3,000 grant

California Residential Mitigation Program (Earthquake Retrofit)

California Earthquake Authority provides grants up to $3,000 for seismic retrofitting of homes built before 1980. Covers...

Disaster
Postpone property taxes until sale

Orange County Property Tax Postponement (Seniors)

California allows seniors age 62+ with household income under $49,017 and at least 40% equity to postpone property taxes...

Property Tax Relief
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Program

USDA provides low-interest loans up to $27,500 and grants up to $10,000 for very low-income homeowners age 62+ to repair...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

VA grant for veterans with certain service-connected disabilities to help purchase or modify a home to meet their disabi...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

VA grant for veterans with certain service-connected disabilities to adapt a family member's home where they reside. Cov...

Veterans
Free lead hazard remediation

California Lead Hazard Reduction Program

State-funded program to identify and remediate lead-based paint hazards in homes built before 1978 with children under a...

Home Repair
Up to $3,000 toward retrofit

California Earthquake Brace + Bolt Program

State program offering up to $3,000 toward the cost of seismic retrofitting for eligible houses built before 1980 in hig...

Disaster

💡 Stack programs to maximize your savings

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.

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