Find grants, rebates, forgivable loans, and free programs for Sacramento, CA, filtered to your situation.
As of June 2026, 52 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Sacramento, CA, with individual awards up to $250,000. 16 programs target seniors, 7 serve veterans, and 26 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 35 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 10 | Refunded to you after purchase | Energy-efficiency upgrades |
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The SHRA Home Repair Program provides emergency repairs to correct health and safety hazards in owner-occupied single-fa...
SHRA administered HUD-funded grants to assist property owners with lead hazard remediation in homes built before 1978. T...
Approved by City Council in 2023, this program provides up to $15,000 in grant funds to low-income homeowners facing cod...
Rebuilding Together Sacramento provides free safety modifications to low-to-moderate income homeowners in Sacramento, El...
The Critical Repair program focuses on larger repairs in Rancho Cordova and Sacramento, including HVAC replacement, roof...
Habitat for Humanity Greater Sacramento offers a Deferred Payment Home Repair Loan Program providing loans up to $100,00...
SMUD's Home Performance Program takes a whole-house approach to energy efficiency, bundling rebates for multiple upgrade...
SMUD offers rebates up to $4,000 for replacing a gas water heater with a qualifying heat pump water heater (NEEA Tier II...
SMUD offers rebates of up to $3,000 for qualifying heat pump HVAC replacements. Variable-stage gas-to-electric systems r...
When SMUD customers electrify multiple gas appliances, they can earn an extra $2,000-$2,500 Go Electric bonus toward a p...
SMUD's My Energy Optimizer Partner+ program offers a one-time enrollment incentive of up to $10,000 for qualifying home ...
SMUD's Energy Assistance Program Rate provides monthly discounts on electricity bills for income-eligible customers base...
SMUD's Energy Saver Bundle is a free in-home energy assessment and upgrade program available exclusively to customers on...
SMUD offers income-eligible EAPR customers a completely free Level 2 EV charger and circuit installation (up to $2,500 v...
SMUD partners with GRID Alternatives North Valley to provide free rooftop solar installations to income-qualifying homeo...
PG&E's Energy Savings Assistance program provides free home improvements to income-eligible customers including heat pum...
The CARE program provides approximately 38% discount on electricity and 20% discount on natural gas for low-income PG&E ...
Community Resource Project (CRP) delivers free weatherization services to income-eligible households in Sacramento, Sutt...
California's Low Income Home Energy Assistance Program (LIHEAP) helps low-income households pay heating and cooling cost...
The Home Electrification and Appliance Rebates program (HEEHRA) provided income-qualified single-family homeowners up to...
USDA Section 504 offers very-low-income homeowners in rural areas loans up to $40,000 at 1% interest to repair homes, an...
The VA SAH grant helps veterans and service members with severe service-connected disabilities adapt or build a home to ...
The VA SHA grant assists veterans with certain service-connected disabilities (such as blindness in both eyes or loss of...
The VA HISA grant covers medically necessary home improvements for veterans with service-connected disabilities, includi...
The FHA 203(k) loan lets homebuyers and homeowners finance the purchase or refinance of a home plus the cost of renovati...
California's Homeowners' Exemption reduces the assessed value of an owner-occupied primary residence by $7,000, saving a...
California's Property Tax Postponement (PTP) program allows senior (62+), blind, or disabled homeowners to defer current...
California's Disabled Veterans' Exemption provides a significant property tax reduction for veterans with 100% service-c...
CalHFA's ADU Grant Program provided up to $40,000 to low-and-moderate-income homeowners to cover pre-development and non...
The federal Residential Clean Energy Credit provides a 30% tax credit on the cost of installing solar panels, battery st...
The federal 25C tax credit covers 30% of the cost of energy-efficient home improvements including heat pumps (up to $2,0...
PACE financing allows Sacramento homeowners to finance energy-efficient and water-conservation home improvements with re...
SMUD offers instant appliance rebates at participating retailers (The Home Depot, RC Willey) for SMUD service area custo...
SMUD offers a $50 instant rebate on qualifying smart thermostats purchased through the SMUD Energy Store online. Rebate ...
As part of SMUD's Home Performance Program, homeowners can receive up to $3,000 in rebates for insulation and air sealin...
The Disadvantaged Communities, Single-Family Solar Homes (DAC-SASH) program provides no-cost rooftop solar installations...
United Way California Capital Region operates free VITA tax preparation sites throughout Sacramento for households earni...
The City of Folsom's Seniors Helping Seniors program provides minor home repairs and modifications to low-income senior ...
FEMA's HMGP provides funding after a presidentially declared disaster to reduce future disaster losses. Homeowners canno...
HUD's Office of Lead Hazard Control and Healthy Homes funds state and local governments to address lead paint hazards an...
California's Low Income Weatherization Program (funded through DOE WAP and state climate investments) provides free comp...
The VA Temporary Residence Adaptation (TRA) grant allows eligible veterans who are temporarily living in a family member...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
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...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
The SBA Sacramento District Office serves small businesses in Sacramento and Northern California with SBA 7(a) loans, 50...
The City of Sacramento supports small businesses through its Office of Innovation and Economic Development, offering tec...
SETA is the workforce development board for Sacramento County, administering WIOA-funded services through American Job C...
California administers multiple child care subsidy programs including Alternative Payment (AP) programs, CalWORKs Stage ...
Sacramento City Unified School District and community partners operate Head Start and Early Head Start programs in Sacra...
Free or low-cost HUD-approved housing counseling and homebuyer education provided by NeighborWorks Sacramento (now part ...
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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52 programs are currently listed for Sacramento, including SHRA Home Repair Program (HRP), SHRA Lead Hazard Reduction Grant Program, Justice for Neighbors Emergency Home Repair 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 Sacramento, 35 programs do not require repayment, 2 are forgivable loans, and 10 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.