Find grants, rebates, forgivable loans, and free programs for Pearl City, HI, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Pearl City, HI, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | 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 weatherization program that improves energy efficiency of low-income homes in Hawaii. Services include ...
Home Emergency Mortgage Assistance Program provides low-interest home repair loans to Hawaii homeowners who need assista...
CDBG-funded home repair program for low-income owner-occupied households in Honolulu County including Pearl City. Provid...
Hawaiian Electric offers rebates for energy-efficient appliances, heat pump water heaters, central AC, and LED lighting....
Hawaiian Electric's Customer Self-Supply program allows homeowners to install rooftop solar and battery storage with net...
USDA offers low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or m...
VA grant for veterans with certain service-connected disabilities to help build, buy, or modify a home to meet their nee...
VA grant for veterans with certain service-connected disabilities to adapt a home for independent living. Eligible veter...
Grant program for Honolulu County homeowners with disabilities to make ADA-compliant home modifications. Covers wheelcha...
Emergency home repair grants for low-income seniors age 60 and older in Honolulu County. Prioritizes health and safety r...
State-funded lead hazard control program for Hawaii homes built before 1978 with children under age 6. Provides free lea...
Forgivable loan program to help low-income Honolulu County homeowners repair or replace failing private sewer laterals. ...
Federal HOME funds administered by the state for homeowner rehabilitation in Hawaii. Provides loans or grants for major ...
State-backed low-interest loan program for solar photovoltaic systems, solar water heaters, and battery storage. Interes...
Federal tax credit covering 30% of the cost of solar photovoltaic systems and battery storage installed on residential p...
Hawaii Energy provides rebates for high-efficiency heat pump water heaters, ductless mini-split AC units, insulation, an...
State disaster recovery fund activated after major hurricanes or tropical storms to assist homeowners with uninsured rep...
Low-interest loan program to help Hawaii homeowners upgrade cesspools to septic systems or connect to municipal sewer. S...
CDBG-funded program providing forgivable loans to landlords who rehabilitate rental units and commit to renting them to ...
State tax credit for rehabilitation of historic properties listed on the Hawaii or National Register of Historic Places....
State grant program to help homeowners build accessory dwelling units (ADUs or 'ohana units) for multi-generational livi...
Home repair grants for Native Hawaiian lessees on Hawaiian Home Lands. Covers essential repairs including roofing, plumb...
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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26 programs are currently listed for Pearl City, 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 Pearl City, 17 programs do not require repayment, 2 are forgivable loans, and 2 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.