Find grants, rebates, forgivable loans, and free programs for McKinney, TX, filtered to your situation.
As of June 2026, 33 home improvement grant, rebate, and forgivable loan programs are open to homeowners in McKinney, TX, with individual awards up to $126,526. 9 programs target seniors, 3 serve veterans, and 16 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 | 7 | 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 major home rehabilitation assistance to low- and moderate-income owner-occupants in McKinney. Loan is forgiven ...
Emergency grant for urgent repairs that threaten health and safety of owner-occupied households in McKinney with incomes...
Grant program providing accessibility modifications for owner-occupied homes in McKinney where a household member has a ...
Home repair grant specifically for McKinney homeowners age 62 and older with low to moderate income. Provides assistance...
Federally funded weatherization program administered by the State of Texas that provides free energy efficiency improvem...
State-funded lead hazard control program for homes with children under age 6 who have elevated blood lead levels or are ...
Collin County program providing minor home repair and safety modification assistance to low-income seniors age 60 and ol...
Rebate for installation of qualifying high-efficiency heat pump systems in Oncor service territory, which includes McKin...
Rebate program for adding attic or wall insulation to existing homes in Oncor service territory. Helps reduce heating an...
Rebate for comprehensive air sealing and weatherization services including duct sealing and other infiltration reduction...
Rebate for purchase and installation of ENERGY STAR certified smart thermostats that automatically optimize heating and ...
Performance-based solar incentive for residential photovoltaic systems installed in Oncor service territory. Rebate is p...
Incentive for residential battery energy storage systems that can be enrolled in Oncor's demand response program. Batter...
Rebate for residential customers who install qualifying high-efficiency natural gas furnaces. Atmos Energy serves McKinn...
Rebate for installation of high-efficiency natural gas water heaters including tankless models and ENERGY STAR certified...
Federally funded HOME program administered by the state providing homeowner rehabilitation assistance in eligible Texas ...
Federal program providing loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or ...
Grant for veterans with certain service-connected disabilities to construct or modify a home for wheelchair accessibilit...
Grant for veterans with certain service-connected disabilities to adapt a home for independent living. Qualifying disabi...
Low-interest loan program for Texas veterans to make home repairs, improvements, and adaptations. Competitive interest r...
Additional $10,000 homestead exemption for homeowners age 65 or older in Collin County. Once granted, eligible homeowner...
Additional $10,000 homestead exemption for homeowners with disabilities as certified by Social Security Administration o...
Federal income tax credit equal to 20% of annual mortgage interest paid, providing up to $2,000 per year in tax savings ...
Down payment and closing cost assistance for first-time homebuyers purchasing in McKinney. Forgivable loan that does not...
Financial assistance for income-qualified homeowners to repair or replace failing private sewer lateral lines. Program h...
Emergency assistance for low-income homeowners, seniors, and persons with disabilities who have a failed water heater. P...
Assistance for foundation and structural repairs due to expansive clay soil conditions common in North Texas. Forgivable...
Free HUD-approved homebuyer education courses covering the home purchase process, financing options, budgeting, home mai...
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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33 programs are currently listed for McKinney, 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 McKinney, 20 programs do not require repayment, 3 are forgivable loans, and 7 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.