Find grants, rebates, forgivable loans, and free programs for Saginaw, TX, filtered to your situation.
As of June 2026, 27 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Saginaw, TX, with individual awards up to $126,526. 7 programs target seniors, 4 serve veterans, and 16 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 | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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 free weatherization services to income-eligible households to reduce energy costs. Services include insulation,...
Provides forgivable loans for major home repairs and rehabilitation to low-income homeowners. Loan is forgiven after 5 y...
Provides emergency home repair grants to low-income homeowners in unincorporated Tarrant County and participating cities...
Rebates for qualifying high-efficiency central air conditioning and heat pump systems. Must meet minimum SEER2 and EER2 ...
Rebates for adding attic or wall insulation to qualifying homes. Must meet minimum R-value requirements and be installed...
Rebates for installing ENERGY STAR certified windows. Minimum of 10 windows must be replaced. Helps reduce cooling and h...
Rebates for purchasing and installing qualifying high-efficiency natural gas furnaces with AFUE rating of 95% or higher....
Rebates for purchasing and installing ENERGY STAR certified tankless gas water heaters with energy factor of 0.90 or hig...
Provides loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize homes a...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disabilities. ...
Helps veterans with certain service-connected disabilities adapt a family member's home in which they will reside. Eligi...
Low-interest home improvement loans for Texas veterans who already own their home. Funds can be used for repairs, improv...
Provides emergency repair assistance to senior homeowners age 62 and older within Saginaw city limits. Grant funds help ...
Provides grants for accessibility modifications to enable disabled or elderly residents to remain safely in their homes....
Exempts the added property value from solar panel installation from property taxes. Homeowners do not pay additional pro...
Federal tax credit covering 30% of the cost of installing a residential solar energy system. Credit applies to solar pan...
HUD-funded program to identify and remediate lead-based paint hazards in homes built before 1978 in Tarrant County. Prio...
Provides low-interest home loans and repair financing for eligible Texas veterans. Includes down payment assistance and ...
Provides an additional $10,000 homestead exemption for homeowners age 65 or older, reducing property taxes. Also freezes...
Provides an additional $10,000 homestead exemption for disabled homeowners receiving Social Security disability benefits...
Provides financial assistance to income-eligible homeowners for repair or replacement of damaged sewer lateral lines on ...
Rebate for purchasing and installing qualifying smart thermostats that optimize energy usage. Device must be ENERGY STAR...
Provides recovery assistance to homeowners impacted by federally declared disasters in Texas. Funding helps with home re...
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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27 programs are currently listed for Saginaw, 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 Saginaw, 17 programs do not require repayment, 1 is forgivable loan, and 6 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.