Find grants, rebates, forgivable loans, and free programs for San Mateo, CA, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in San Mateo, CA, with individual awards up to $161,151. 5 programs target seniors, 3 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 | 1 | 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...
CDBG-funded forgivable loan program for major home repairs and rehabilitation for income-qualified owner-occupied homes ...
Provides grants for accessibility improvements for owner-occupied homes where a disabled or senior resident lives. Cover...
Provides emergency home repair grants for owner-occupied households with income at or below 50% AMI. Covers urgent repai...
Provides grants to income-qualified homeowners for sewer lateral repair or replacement on private property. Program help...
Federal WAP program administered by San Mateo County to reduce energy costs for income-qualified households. Provides at...
PG&E's no-cost program for income-qualified customers in San Mateo providing attic insulation, energy-efficient refriger...
Rebate for replacing old central air conditioner with high-efficiency ENERGY STAR® unit. Incentive amount based on effic...
Rebate for installing ENERGY STAR® certified heat pump water heater to replace gas or electric storage water heater. Hea...
State incentive program for residential solar photovoltaic installations in PG&E territory. Rebates based on system perf...
California program providing no-cost or heavily subsidized solar electric systems to income-qualified homeowners. Admini...
California incentive for home battery energy storage systems paired with solar. Higher rebates available for customers i...
State-funded weatherization to complement federal WAP, providing additional measures such as window replacement, advance...
State program to remove lead paint hazards in pre-1978 homes with children under 6 or pregnant women. Includes testing, ...
Free gas water heater replacement for PG&E CARE customers whose pilot light has gone out and unit cannot be safely relit...
Federal program providing low-interest loans up to $40,000 and grants up to $10,000 (for seniors 62+) to repair, improve...
VA grant for veterans with certain service-connected disabilities to purchase or modify a home for wheelchair accessibil...
VA grant for veterans with certain service-connected disabilities (blindness or loss of use of both hands) to adapt a ho...
County program providing home repair grants for seniors age 60+ in San Mateo County. Covers minor repairs, accessibility...
Federal HOME funds administered by San Mateo County for major rehabilitation of owner-occupied homes. Deferred, no-inter...
Grant for seismic retrofitting of wood-frame homes built before 1980. Covers foundation bolting and cripple wall bracing...
Property tax exemption for veterans with service-connected disabilities rated 100% or deemed 100% unemployable. Exempts ...
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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25 programs are currently listed for San Mateo, 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 Mateo, 18 programs do not require repayment, 1 is forgivable loan, 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.