Find grants, rebates, forgivable loans, and free programs for San Jose, CA, filtered to your situation.
As of June 2026, 53 home improvement grant, rebate, and forgivable loan programs are open to homeowners in San Jose, CA, with individual awards up to $250,000. 13 programs target seniors, 6 serve veterans, and 25 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 | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 8 | Refunded to you after purchase | Energy-efficiency upgrades |
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The City of San José Housing Department provides 0% interest deferred loans to income-qualified homeowners to repair hea...
San José's CalHome program provides state-funded deferred loans for health, safety, and code-compliance repairs to owner...
Rebuilding Together Silicon Valley provides no-cost critical home repairs to income-eligible San José homeowners whose h...
The Safe at Home program addresses home repair and maintenance issues that present a safety risk or limit access within ...
Habitat for Humanity East Bay/Silicon Valley administers the City of San José-funded home repair program, providing free...
Santa Clara County funds owner-occupied home repairs through CDBG for residents of Campbell, Los Altos, Los Gatos, Monte...
PG&E's Energy Savings Assistance Program provides free energy efficiency and weatherization upgrades to income-qualified...
San José Clean Energy's EcoHome Rebate offers up to $12,000 in rebates for heat pump HVAC and heat pump water heater upg...
BayREN's Efficiency and Sustainable Energy (EASE) Home Program serves moderate-income Bay Area homeowners who earn too m...
BayREN offers a $200 rebate when a homeowner gets a Home Energy Score assessment, a DOE-certified energy audit that rate...
The federally funded Weatherization Assistance Program provides free energy efficiency improvements to income-qualified ...
LIHEAP provides federally funded energy bill assistance and crisis grants to income-qualified California households, hel...
California's HEEHRA program (funded by the federal Inflation Reduction Act) provides point-of-sale rebates for electrifi...
USDA Section 504 provides very-low-income homeowners in eligible rural areas with loans up to $40,000 (1% interest, 20-y...
The VA's Specially Adapted Housing grant helps veterans with severe service-connected disabilities build or modify a hom...
The VA Special Housing Adaptation grant is available to veterans with specific service-connected disabilities including ...
The VA HISA grant provides funds for home improvements and structural alterations medically necessary for veterans to co...
The Earthquake Brace + Bolt program provides grants to homeowners in eligible ZIP codes to seismically retrofit wood-fra...
California's Disabled Veterans' Property Tax Exemption reduces the assessed value of the principal residence of qualifie...
Any California homeowner who occupies their property as their principal residence on January 1 can claim a $7,000 assess...
California's Property Tax Postponement Program allows seniors (62+), blind, or disabled homeowners with household income...
The FHA 203(k) loan allows homeowners to finance both a home purchase (or refinance) and renovation costs in a single mo...
CalHFA's MyHome Assistance Program provides first-time homebuyers a deferred-payment junior loan for down payment and/or...
The Empower Homebuyers SCC program provides first-time homebuyers in Santa Clara County with a 30-year deferred shared a...
CalHFA's ADU Grant Program provided up to $40,000 to reimburse pre-development and non-recurring closing costs (permits,...
HUD's Lead Hazard Reduction grant program provides funding to identify and remediate lead-based paint hazards in pre-197...
Santa Clara County administers federal HOME Investment Partnerships funds for housing rehabilitation in unincorporated c...
The City of San José receives annual federal HOME Investment Partnerships funds and grants them to nonprofit partners (s...
California's MORE program funds acquisition, rehabilitation, and health/safety improvements for mobilehome parks and ind...
California law permanently excludes the value of qualifying solar energy systems from property tax assessment, ensuring ...
PG&E's GoGreen Home Energy Financing connects customers with third-party lenders for up to 100% financing of energy upgr...
Silicon Valley Clean Energy provides home electrification rebates to customers in Milpitas, Cupertino, Morgan Hill, Gilr...
FEMA's Hazard Mitigation Grant Program provides 75% federal funding (with 25% local match) for projects that reduce futu...
Silicon Valley Power is the municipal utility for the City of Santa Clara (not San José). SVP offered up to $11,000 for ...
The DOE Weatherization Assistance Program is delivered locally in Santa Clara County through a CSD-designated subgrantee...
Rebuilding Together Peninsula administers county CDBG-funded home repairs for homeowners in the Los Altos and other nort...
The CalVet Home Loan Program provides California veterans with competitive interest rate mortgage loans for home purchas...
San José Clean Energy's EcoHome Payment Plan offers interest-free financing of up to $5,000 with no money down for up to...
Santa Clara County's Office of Sustainability and Resilience operates a centralized rebate finder at sustainability.sant...
The City of San José's Emergency Solutions Grant program funds nonprofit organizations that provide housing stability se...
California offers multiple veteran property tax exemptions through CalVet and the county assessor. The basic veteran exe...
PG&E's REACH (Relief for Energy Assistance through Community Help) program provides one-time emergency bill assistance c...
HUD-approved housing counseling agencies in San José provide free or low-cost counseling to help homeowners navigate ava...
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...
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 San Francisco District Office serves small businesses in San Jose and Silicon Valley with SBA 7(a) loans, 504 lo...
San José's Office of Economic Development supports small businesses through technical assistance, the Small Business Adv...
California administers multiple child care subsidy programs including Alternative Payment (AP) programs, CalWORKs Stage ...
Multiple agencies operate Head Start and Early Head Start programs in San Jose and Santa Clara County, including Child D...
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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53 programs are currently listed for San Jose, including City of San José Home Repair Program, San José CalHome Owner-Occupied Rehabilitation Loan, Rebuilding Together SV, Critical 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 San Jose, 35 programs do not require repayment, 4 are forgivable loans, and 8 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.