Find grants, rebates, forgivable loans, and free programs for Oakland, CA, filtered to your situation.
As of June 2026, 41 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oakland, CA, with individual awards up to $150,000. 6 programs target seniors, 2 serve veterans, and 22 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 24 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 11 | Refunded to you after purchase | Energy-efficiency upgrades |
Not sure which program fits? Email us what you need. It is free, and a real person answers.
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 forgivable loans for major home repairs to owner-occupied households in Oakland with income at or below 80% AMI...
Provides grants to help low- and moderate-income homeowners retrofit wood-frame buildings with soft-story (weak first fl...
HUD-funded program to reduce lead-based paint hazards in Alameda County homes built before 1978 with children under 6. A...
Provides grants for accessibility modifications including ramps, widened doorways, grab bars, roll-in showers, and other...
Provides grants to low-income homeowners for repair or replacement of private sewer laterals (the pipe from home to stre...
Comprehensive home energy upgrade program offering rebates for HVAC, insulation, air sealing, duct sealing, and other ef...
Rebate for purchase and installation of ENERGY STAR certified heat pump water heaters. Higher rebates available for inco...
Rebates for energy-efficient central air conditioning, heat pumps, and smart thermostats. Includes ductless mini-split h...
California state incentive for home battery storage systems, solar paired with storage, and backup power. Equity and res...
Rebate for replacement of old toilets (installed before 1994) with WaterSense labeled high-efficiency toilets. Saves an ...
Rebate for converting water-thirsty lawns to drought-tolerant California-friendly landscaping. Covers materials and inst...
Rebate for EPA WaterSense labeled smart irrigation controllers that automatically adjust watering schedules based on wea...
Federally funded program providing free weatherization services to low-income households. Includes attic and wall insula...
Free energy efficiency services for income-qualified households. Includes attic insulation, weather stripping, caulking,...
Incentive program for solar water heating and solar pool heating systems. Provides rebates for residential solar thermal...
Provides grants and low-cost financing to support the construction of accessory dwelling units (ADUs) on owner-occupied ...
Low-interest loans and grants for very low-income homeowners to repair, improve, or modernize homes or remove health and...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Co...
Helps veterans with certain service-connected disabilities adapt a home to meet disability-related needs. Covers modific...
Federal HOME funds support owner-occupied housing rehabilitation for low-income households in unincorporated Alameda Cou...
Provides mortgage payment assistance and assistance to reinstate delinquent mortgages for homeowners experiencing financ...
Incentives for switching from gas to electric heat pumps for space heating and cooling. Includes ductless mini-split sys...
Rebate for replacing gas stoves with electric induction cooktops or ranges. Improves indoor air quality and reduces emis...
Incentive to upgrade electrical service panels to support electrification of home heating, water heating, and cooking. R...
Allows seniors 62+ with limited income to defer payment of property taxes on their primary residence. State pays taxes a...
Down payment and closing cost assistance for first-time homebuyers. Provides 3.5% of the purchase price or $15,000, whic...
Free HUD-certified homebuyer education classes covering home purchase process, mortgage products, budgeting, credit, and...
Mills Act contracts provide property tax reduction for owners of designated historic properties who rehabilitate and mai...
Federal funding for tribes to support housing rehabilitation and community development. Tribal members should contact th...
Provides emergency home repairs for owner-occupied households in Oakland with income at or below 50% AMI. Covers items p...
State disaster recovery assistance for homeowners impacted by declared disasters including wildfires, floods, and earthq...
Cost-share grants for homeowners in high fire severity zones to create defensible space and harden homes against wildfir...
Provides no-cost or heavily subsidized solar photovoltaic systems to low-income homeowners in disadvantaged communities....
Rebate for installation of sewer backflow prevention devices to protect homes from sewage backups during heavy rains. Co...
Federal tax credit worth 30% of the cost of installing solar panels, solar water heating, battery storage, geothermal he...
Federal tax credit for energy-efficient home improvements including heat pumps ($2,000), heat pump water heaters ($2,000...
Helps income-eligible California households pay heating and cooling bills and provides weatherization services. Administ...
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.
These contractors specialize in grant-funded projects and understand the documentation requirements.
No contractors listed yet, be the first in this market.
Tell us about your project. We'll connect you with contractors in your city who've completed grant-funded work and know the program documentation.
We'll email you when new programs open, deadlines approach, or funding runs low.
41 programs are currently listed for Oakland, 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 Oakland, 24 programs do not require repayment, 3 are forgivable loans, and 11 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.