Find grants, rebates, forgivable loans, and free programs for San Francisco, CA, filtered to your situation.
As of June 2026, 40 home improvement grant, rebate, and forgivable loan programs are open to homeowners in San Francisco, CA, with individual awards up to $375,000. 12 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 25 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 6 | 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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SF MOHCD's Senior Home Repair Program (SHRP) provides up to $50,000 in forgivable loans to low-to-moderate income senior...
MOHCD's HELP program provides up to $50,000 as a no-interest 30-year deferred loan for San Francisco homeowners facing e...
MOHCD's Property Rehabilitation Loan Program provides rehabilitation loans and grants to homeowners of 1-4 unit properti...
Rebuilding Together San Francisco provides free home repairs to low-income, elderly, or disabled San Francisco homeowner...
Habitat for Humanity Greater San Francisco's Home Preservation Program provides critical, major repairs to low-income lo...
BayREN's Home+ Rebate Program offers $300 to $5,000 in rebates for single-family and 2-4 unit San Francisco homeowners w...
BayREN's EASE (Efficiency & Sustainable Energy) program provides income-eligible San Francisco residents with low-cost h...
PG&E's Energy Savings Assistance (ESA) Program provides no-cost weatherization services to income-qualified San Francisc...
PG&E's EmPower My Home Program helps income-qualified residents upgrade to efficient, modern electric appliances at litt...
CalHFA's MyHome Assistance Program provides first-time homebuyers in San Francisco a deferred-payment junior loan of up ...
SF MOHCD's DALP provides substantial down payment assistance loans to first-time homebuyers purchasing a primary residen...
The California Dream For All program offers first-generation, first-time homebuyers up to 20% of the purchase price (max...
The VA's SAH grant (up to $126,526 FY2026) helps veterans with severe service-connected disabilities adapt their homes. ...
California's Disabled Veterans' Property Tax Exemption reduces or eliminates property taxes on the primary residence for...
Proposition 13 limits annual increases in a property's assessed value to no more than 2% per year in California, providi...
California's Property Tax Postponement (PTP) program allows seniors (62+), blind, or disabled homeowners with household ...
LIHEAP provides direct energy bill assistance to low-income San Francisco households to help pay heating, cooling, and c...
California's federally-funded Weatherization Assistance Program provides free energy efficiency improvements to low-inco...
USDA Section 504 provides loans up to $40,000 and grants up to $10,000 (for seniors 62+) to very-low-income rural homeow...
The FHA 203(k) program allows SF homebuyers and homeowners to finance renovation costs into a single FHA mortgage. The L...
The IRS Section 25C credit provides up to $3,200 per year in federal tax credits for qualifying home energy improvements...
The SFPUC Water Heater Upgrade Program provides $1,000 toward replacing a gas water heater with a qualifying heat pump w...
SF Environment's Climate Equity Hub program provides free heat pump water heaters to income-qualified San Francisco resi...
SF MOHCD's rehabilitation loan programs include support for accessibility modifications to help disabled and senior home...
San Francisco's Homeowners' Exemption reduces the assessed value of a qualifying owner-occupied primary residence by $7,...
PACE financing allows SF homeowners to finance energy and water efficiency improvements with no upfront cost, repaid thr...
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...
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...
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 Francisco District Office serves small businesses in the Bay Area with SBA 7(a) loans, 504 loans, microloans...
San Francisco's Office of Small Business is the city's central resource for small business assistance, offering one-on-o...
San Francisco's Office of Economic and Workforce Development operates the SF Works American Job Centers and the award-wi...
California administers multiple child care subsidy programs including Alternative Payment (AP) programs, CalWORKs Stage ...
San Francisco Human Services Agency and First 5 San Francisco fund Head Start, Early Head Start, and subsidized child ca...
San Francisco MOHCD's Emergency Repair Program provides assistance to income-qualified homeowners for emergency health a...
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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40 programs are currently listed for San Francisco, including SF Senior Home Repair Program (SHRP), SF Homeowner Emergency Loan Program (HELP), MOHCD Property Rehabilitation Loan 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 Francisco, 25 programs do not require repayment, 6 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.