Find grants, rebates, forgivable loans, and free programs for Phoenix, AZ, filtered to your situation.
As of June 2026, 49 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Phoenix, AZ, with individual awards up to $557,750. 18 programs target seniors, 9 serve veterans, and 20 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 32 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | Refunded to you after purchase | Energy-efficiency upgrades |
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Provides zero-interest, forgivable deferred loans to low- and moderate-income homeowners citywide to repair critical hom...
Free weatherization improvements for eligible Phoenix homeowners and renters who meet household income limits (≤ 200% Fe...
Reduces childhood lead poisoning by creating lead-safe housing at no cost to residents, funded through HUD and CDBG gran...
Provides financial assistance to rehabilitate affordable rental housing in designated Target Areas to maintain safe, sec...
Provides zero-percent interest forgivable loans to owner-occupants in unincorporated Maricopa County (and areas outside ...
Helps eligible Maricopa County homeowners repair critical health and safety conditions, with an emphasis on non-function...
Provides free or low-cost critical home repairs, accessibility modifications, and neighborhood revitalization work to in...
Provides free home assessments and safety modifications to alleviate critical health, life, and safety issues for income...
The Workforce Initiative Subsidy for Homeownership (WISH) program through Newtown CDC provides a 4-to-1 matching grant f...
Individual Development Accounts through Newtown CDC allow low-income residents to build savings matched at up to 4:1 for...
FSL provides home improvements, repairs, and weatherization services to seniors and people with disabilities in Phoenix ...
Reduces energy costs for income-eligible Arizona households by providing free weatherization improvements to primary res...
Arizona Home Plus provides down payment assistance of 3% to 5% of the first mortgage loan amount statewide for homebuyer...
Arizona provides property tax exemptions to qualifying widows, widowers, persons with total and permanent disabilities, ...
APS customers can access energy efficiency rebates through standard rebate programs and the income-qualified Efficiency ...
SRP offers year-round residential energy efficiency rebates for customers in the SRP service territory (portions of metr...
Southwest Gas offers rebates on energy-efficient natural gas appliances and equipment for Arizona residential customers ...
Federally funded program administered by Arizona DES that helps low-income households pay heating and cooling utility bi...
Provides loans (up to $40,000 at 1% fixed interest over 20 years) and grants (up to $10,000 lifetime for homeowners 62+)...
The SAH grant helps veterans and service members with certain severe service-connected disabilities adapt or purchase a ...
The SHA grant helps veterans and service members with specific service-connected disabilities adapt their home to accomm...
HISA provides medically necessary home improvements and structural alterations for veterans to improve access, use of es...
TRA helps veterans who qualify for SAH or SHA grants adapt a family member's home where they are temporarily living. SAH...
FHA-insured loans for home improvement available through approved private lenders. Maximum $25,000 for single-family hom...
FHA 203(k) insures mortgages covering both purchase and rehabilitation of a home, or refinance and rehabilitation. The S...
Funded by the Inflation Reduction Act through Arizona's Governor's Office of Resiliency, Efficiency Arizona's HEAR progr...
The 25D Residential Clean Energy Credit provides a 30% nonrefundable federal income tax credit for qualified clean energ...
The 25C Energy Efficient Home Improvement Credit provides up to $3,200 per year (30% of costs) for qualifying energy eff...
The City of Phoenix Volunteer Income Tax Assistance (VITA) program provides free federal and state tax preparation for h...
APS Energy-Wise provides free weatherization improvements and energy education to APS customers whose income is at or be...
Arizona's Senior Valuation Freeze program locks the limited property value for eligible senior homeowners, preventing in...
A New Leaf provides rapid rehousing, rental assistance, and emergency utility assistance to individuals and families fac...
The Phoenix VA Health Care System assists veterans in applying for all adaptive housing grants including SAH, SHA, HISA,...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
HUD's Community Development Block Grant (CDBG) program provides annual funding to cities, counties, and states to fund l...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
Efficiency Arizona delivers IRA HEAR rebates to income-qualified Arizona households for switching from gas to electric a...
The Arizona Weatherization Assistance Program reduces heating and cooling costs for income-eligible households by provid...
Maricopa County's CDBG-funded Emergency Home Repair Program assists income-eligible homeowners in unincorporated areas o...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
The SBA Arizona District Office serves small businesses in Phoenix and across Arizona with SBA 7(a) loans, 504 loans, mi...
The City of Phoenix supports small businesses through its Community & Economic Development Department, offering technica...
The Maricopa Workforce Development Board administers WIOA services through Arizona@Work centers in Phoenix. Individual T...
Arizona's Child Care Assistance Program (CCAP) helps income-eligible working families pay for child care. Families may c...
Multiple agencies operate Head Start and Early Head Start programs in Phoenix and Maricopa County, including Chicanos Po...
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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49 programs are currently listed for Phoenix, including City of Phoenix Owner-Occupied Housing Rehabilitation Program (OOHRP), City of Phoenix Weatherization Assistance Program (WAP), Lead Safe Phoenix Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Phoenix, 32 programs do not require repayment, 4 are forgivable loans, and 5 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.