Find grants, rebates, forgivable loans, and free programs for San Marcos, CA, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in San Marcos, CA, with individual awards up to $126,526. 4 programs target seniors, 2 serve veterans, and 9 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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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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 forgivable loans for major home repairs to income-qualified owner-occupied homes in San Marcos. Loan is forgive...
Grant funding for accessibility modifications to owner-occupied homes in San Marcos for residents with disabilities. Cov...
Provides home repair grants to San Marcos homeowners age 62 and older with moderate incomes. Program assists seniors wit...
Federally-funded program administered by San Diego County Community Action Partnership providing free weatherization ser...
SDG&E offers rebates for energy-efficient home upgrades including insulation, HVAC systems, duct sealing, water heaters,...
Rebate program for installing qualifying electric heat pump HVAC systems in San Marcos homes. Higher rebates available f...
Net energy metering allows San Marcos solar customers to receive export credits for excess electricity sent to the grid....
Provides incentives for home battery energy storage systems paired with solar. Higher incentives ($850-$1,000/kWh) avail...
Provides upfront solar incentives for income-qualified homeowners in disadvantaged communities. Incentive typically cove...
Income-qualified San Marcos households receive free energy-saving improvements including attic insulation, weather strip...
Provides free lead hazard testing and abatement services for income-qualified households in pre-1978 homes with children...
Provides grants for seismic retrofit improvements to single-family homes, including foundation bolting and cripple wall ...
Provides loans up to $27,500 and grants up to $10,000 to very-low-income rural homeowners for repairs to remove health a...
Helps veterans with certain service-connected disabilities adapt or purchase a home to accommodate their disabilities. C...
Helps veterans with certain service-connected disabilities adapt a home they or a family member live in. For veterans wi...
Provides emergency home repair grants for owner-occupied homes in unincorporated San Diego County and participating citi...
Low-interest loans to assist San Marcos homeowners with repair or replacement of private sewer lateral lines from the ho...
FHA-insured loan for home improvements requiring no equity, available to San Marcos homeowners through approved lenders....
Provides down payment and closing cost assistance equal to 3.5% of the purchase price or appraised value (whichever is l...
California Alternate Rates for Energy (CARE) provides monthly discounts of 30-35% on electric and gas bills for income-q...
Uses federal HOME Investment Partnerships funds to provide deferred forgivable loans for major home rehabilitation to lo...
Allows eligible senior, blind, or disabled San Marcos homeowners to defer current-year property taxes on their primary r...
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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26 programs are currently listed for San Marcos, 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 Marcos, 18 programs do not require repayment, 2 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.