Find grants, rebates, forgivable loans, and free programs for San Bernardino, CA, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in San Bernardino, CA, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 13 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 23 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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 deferred-payment loans for major home repairs to income-qualified owner-occupants in San Bernardino. Loan is fo...
Emergency grant for urgent health and safety repairs in owner-occupied homes. Covers immediate threats such as failed wa...
Provides grants for accessibility modifications to homes occupied by persons with disabilities. Covers ramps, grab bars,...
Free weatherization services to reduce energy costs for low-income households in San Bernardino County. Includes attic i...
State-funded energy efficiency upgrades for moderate-income households in California. Covers heat pumps, attic insulatio...
Free lead hazard assessment and remediation for homes built before 1978 with children under age 6. Priority given to hom...
Rebates for energy-efficient home improvements including central AC, heat pumps, duct sealing, attic insulation, and poo...
Rebate for installing qualifying electric heat pump systems for heating and cooling. Covers central air-source heat pump...
Free energy-saving home improvements for income-qualified SCE customers. Includes attic insulation, weather-stripping, c...
Rebates for high-efficiency natural gas furnaces, water heaters, tankless water heaters, and pool/spa heaters. Available...
Incentives for home battery storage systems to pair with solar or standalone. Rates of $200-$1,000 per kWh depending on ...
Free solar photovoltaic system installation for income-qualified homeowners in disadvantaged communities. San Bernardino...
Property Assessed Clean Energy (PACE) financing for energy and water efficiency improvements, renewable energy, and seis...
Grant assistance for minor home repairs and safety modifications for seniors age 60+ in San Bernardino County. Covers gr...
Low-interest loans and grants for very low-income homeowners to repair or improve their homes in eligible rural areas of...
Helps veterans with certain service-connected disabilities adapt a home to meet their disability-related needs. Covers w...
Helps veterans with certain service-connected disabilities adapt a home for independent living. For veterans who are bli...
Federal HOME funds for substantial rehabilitation of owner-occupied homes to address code violations and substandard con...
Forgivable loan to repair or replace private sewer laterals from the home to the public sewer main. Available to low-inc...
Rebate for replacement of older water heaters with high-efficiency electric or natural gas models. Designed to reduce en...
State disaster assistance for repair, restoration, or replacement of damaged homes when a state of emergency is declared...
Matching grants for wildfire mitigation improvements to homes insured through California FAIR Plan. Covers Class A roofi...
Allows seniors age 62+, blind, or disabled homeowners to defer payment of current-year property taxes on their principal...
PACE financing for seismic retrofitting and earthquake safety improvements including foundation bolting, cripple wall br...
Grants for exterior home improvements and code compliance in designated San Bernardino neighborhoods affected by foreclo...
Down payment and closing cost assistance for first-time homebuyers in San Bernardino. Offers deferred-payment junior loa...
Federal income tax credit equal to 15%-50% of annual mortgage interest paid. Reduces federal tax liability dollar-for-do...
Helps income-eligible California households pay heating and cooling bills and provides weatherization services. Administ...
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.
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32 programs are currently listed for San Bernardino, 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 San Bernardino, 23 programs do not require repayment, 3 are forgivable loans, and 4 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.