Find grants, rebates, forgivable loans, and free programs for Las Cruces, NM, filtered to your situation.
As of June 2026, 31 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Las Cruces, NM, with individual awards up to $150,000. 10 programs target seniors, 2 serve veterans, and 10 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 | 3 | 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 program providing comprehensive energy efficiency upgrades to income-qualified households in Doña Ana C...
CDBG-funded program providing comprehensive home repairs for low-income homeowners within Las Cruces city limits. Loan i...
Provides emergency repair grants for very low-income homeowners facing immediate health and safety hazards. Priority for...
CDBG-funded program providing accessibility modifications for low-income homeowners with disabilities. Covers ramps, wid...
Provides financial assistance to low-income homeowners for repair or replacement of private sewer lateral lines from hom...
State-funded low-interest loan program for moderate-income homeowners needing major home repairs. Loans feature below-ma...
Rebates for residential customers who install qualifying energy-efficient equipment including HVAC systems, insulation, ...
Enhanced rebate for residential customers installing qualifying high-efficiency heat pump systems. Combines heating and ...
Free energy efficiency upgrades for income-qualified residential customers. Services include home energy assessment, ins...
Rebates for residential customers installing high-efficiency natural gas equipment including furnaces, water heaters, an...
State income tax credit equal to 10% of solar photovoltaic or solar thermal system installation costs, up to $9,000. Can...
USDA program for very low-income rural homeowners to repair, improve, or modernize homes. Loans up to $40,000 at 1% inte...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home for wheelchair accessibil...
Grant for veterans with certain service-connected disabilities to adapt a home for independent living. Eligible disabili...
HUD HOME Investment Partnership Program funds for comprehensive home rehabilitation. Provides forgivable loans for major...
Minor home repair and modification services for seniors 60+ to support aging in place safely. Administered locally throu...
HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978. Priority for homes wit...
New Mexico law allows heads of household age 65+ with modified gross income below threshold to freeze property valuation...
Rebates for water-efficient equipment and landscaping including low-flow toilets, smart irrigation controllers, desert l...
Grant program specifically for critical roof repair or replacement when roof failure poses immediate threat to health an...
Emergency grant for replacement of non-functional heating or cooling systems when failure poses health threat, especiall...
Grant assistance for repair or replacement of failing septic systems in unincorporated areas of Doña Ana County and elig...
Forgivable loan for critical foundation repairs when structural instability threatens home safety. Common in Las Cruces ...
Low-interest loan program specifically for manufactured/mobile home repairs and improvements. Addresses unique needs of ...
Emergency grant for heating system repairs during winter months when system failure poses immediate health threat. Prior...
Federal disaster recovery funds for homeowners impacted by presidentially declared disasters. Covers unmet needs after i...
Low-interest loans for homeowners in eligible rural areas to install, repair, or improve household water and wastewater ...
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 Las Cruces, 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 Las Cruces, 20 programs do not require repayment, 3 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.