Find grants, rebates, forgivable loans, and free programs for San Antonio, TX, filtered to your situation.
As of June 2026, 48 home improvement grant, rebate, and forgivable loan programs are open to homeowners in San Antonio, TX, with individual awards up to $126,526. 11 programs target seniors, 7 serve veterans, and 21 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 | 5 | 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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The NHSD Owner-Occupied Rehabilitation Program provides deferred forgivable loans to income-qualified San Antonio homeow...
The Minor Home Repair Program assists income-qualified homeowners citywide with critical health and safety repairs inclu...
Under 1 Roof replaces worn and damaged roofs with new, energy-efficient roofing for income-qualified San Antonio homeown...
Rehabarama brings together local contractors, volunteers, students, and sponsors to preserve historic and aging homes fo...
The San Antonio Green & Healthy Homes program addresses lead-based paint hazards and related health and safety concerns ...
HIP 120 provides down payment and closing cost assistance of $1,000-$15,000 as a 0% interest forgivable second lien to i...
CPS Energy's Casa Verde program provides income-qualified customers an average of $5,000 in free weatherization services...
CPS Energy's SaveNow program offers rebates to all residential CPS Energy customers for energy-efficient upgrades includ...
AACOG administers the federal Weatherization Assistance Program for Bexar County and surrounding areas, providing free e...
Habitat for Humanity of San Antonio offers critical home repair services and the A Brush with Kindness program, which pr...
Our Casas Resident Council provides home repair assistance to low-income homeowners on San Antonio's near-west side, foc...
Bexar County's Economic & Community Development Department administers federal HOME and CDBG funds for housing rehabilit...
The TDHCA Texas Weatherization Assistance Program provides free home energy improvements averaging $5,000-$8,000 to inco...
TDHCA's CEAP (funded by federal LIHEAP) provides utility bill payment assistance to low-income Texas households through ...
The TDHCA HRA Program funds nonprofit and government organizations to reconstruct owner-occupied housing that is beyond ...
Texas homeowners who occupy their home as their primary residence are entitled to a $100,000 homestead exemption reducin...
Texas homeowners age 65 or older, or those with qualifying disabilities, receive an additional $10,000 school district e...
Texas provides graduated property tax exemptions for disabled veterans based on VA disability rating: $5,000-$12,000 for...
The VA Specially Adapted Housing grant assists veterans with severe service-connected disabilities to build, buy, or mod...
The VA Special Housing Adaptation grant assists veterans with qualifying service-connected disabilities (such as blindne...
The VA TRA grant allows SAH- or SHA-eligible veterans to adapt a family member's home where they are temporarily living,...
The VA HISA program provides grants for home improvements and structural alterations necessary for the treatment of a ve...
USDA Section 504 provides loans (up to $40,000 at 1% interest over 20 years) and grants (up to $10,000, limited to age 6...
FHA Title I loans are government-insured home improvement loans available through private lenders with no minimum credit...
The FHA 203(k) rehabilitation mortgage allows homeowners or buyers to finance a home's purchase or refinance along with ...
The Residential Clean Energy Credit provides a 30% federal income tax credit on the full cost of qualifying clean energy...
The Section 25C Energy Efficient Home Improvement Credit provides a 30% federal tax credit (up to $3,200/year) for quali...
VITA San Antonio provides free federal and state tax preparation for households earning up to $65,000/year, ensuring low...
The TDHCA My First Texas Home program provides first-time homebuyers and qualifying veterans with a 30-year, fixed-rate ...
The Texas Mortgage Credit Certificate allows first-time homebuyers to convert 20% of their annual mortgage interest into...
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...
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 AYBR Program provides one-time grants of up to $22,500 to households with a Person with a Disability who need home m...
The Veterans Home Improvement Program offers below-market interest rate loans to qualified Texas veterans and active-dut...
The Home Sweet Texas Home Loan Program provides 30-year fixed-rate mortgage loans combined with down payment assistance ...
The Texas Ramp Project is a nonprofit that builds free custom wheelchair ramps for low-income individuals with disabilit...
CPS Energy's Casa Verde program provides free weatherization improvements, including insulation, air sealing, solar scre...
The Texas GLO 2024 Disasters Homeowner Assistance Program provides repair and reconstruction assistance to owner-occupie...
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 San Antonio District Office serves small businesses in San Antonio and South Texas with SBA 7(a) loans, 504 loan...
San Antonio's Economic Development Department supports small businesses through the Contracts and Procurement Program, t...
Workforce Solutions Alamo administers WIOA-funded services for the 12-county Alamo Workforce Development Area including ...
Texas Workforce Commission Child Care Services provides financial assistance for child care to low-income families. Elig...
San Antonio ISD and community partners operate Head Start and Early Head Start programs serving low-income families in B...
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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48 programs are currently listed for San Antonio, including NHSD Owner-Occupied Rehabilitation Program, Minor Home Repair Program, Under 1 Roof 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 San Antonio, 35 programs do not require repayment, 5 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.