Find grants, rebates, forgivable loans, and free programs for Ruidoso, NM, filtered to your situation.
As of June 2026, 22 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Ruidoso, NM, with individual awards up to $150,000. 7 programs target seniors, 2 serve veterans, and 8 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 1 | 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 forgivable loans for major home repairs to owner-occupied households in New Mexico with income at or below 80% ...
Federal WAP program providing free energy efficiency upgrades to low-income households in New Mexico. Services include i...
HUD-funded program to reduce lead-based paint hazards in homes built before 1978 with children under 6 years old. Servic...
Low-interest loans and grants for very-low-income homeowners in rural areas to repair, improve, or modernize their homes...
State tax credit equal to 10% of the cost of installing a qualifying solar photovoltaic system, up to $12,000. Can be co...
Rebates for Village of Ruidoso utility customers who install water-efficient fixtures, appliances, or irrigation systems...
Grant program to help Ruidoso homeowners reduce wildfire risk through home hardening improvements such as fire-resistant...
Grant for eligible veterans with certain service-connected disabilities to adapt or purchase a home to meet their needs....
Grant for eligible veterans with certain service-connected disabilities to make accessibility adaptations to their home....
Grant program for low-income seniors (60+) in Lincoln County to make essential home repairs addressing health, safety, o...
Federal HOME funds administered by New Mexico MFA for homeowner rehabilitation projects. Provides forgivable loans for m...
Emergency assistance for low-income households with non-functioning heating systems during winter months. Provides repla...
Low-interest loan program to help Ruidoso homeowners repair or replace failing sewer lateral lines on private property. ...
Grant program to help low-income New Mexico residents with disabilities make accessibility modifications to their homes....
Property tax exemption for New Mexico homeowners age 65 or older, or 100% disabled veterans. Reduces taxable value of pr...
Federal CDBG-DR funds for homeowners affected by presidentially declared disasters in New Mexico, including recent wildf...
Low-interest loan program for New Mexico homeowners to repair or replace failing septic systems. Protects groundwater an...
Housing improvement grants for enrolled Mescalero Apache tribal members to repair or rehabilitate owner-occupied homes o...
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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22 programs are currently listed for Ruidoso, 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 Ruidoso, 16 programs do not require repayment, 2 are forgivable loans, and 1 is rebate.
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.