Find grants, rebates, forgivable loans, and free programs for Santa Barbara, CA, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Santa Barbara, CA, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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 low-income owner-occupants in Santa Barbara city limits. Loan is for...
Provides emergency repair grants for very low-income homeowners facing immediate health and safety hazards. Covers urgen...
Provides forgivable loans for accessibility modifications to enable elderly or disabled residents to remain in their hom...
Provides grants to low-income homeowners for repair or replacement of private sewer laterals. Helps prevent sewer overfl...
Federally-funded program providing free energy efficiency improvements to income-qualified households. Services include ...
Rebates for energy-efficient home improvements including HVAC systems, water heaters, insulation, and duct sealing. Enha...
Rebates for qualifying electric heat pump systems that replace natural gas or electric resistance heating. Includes cent...
Rebates for residential electric vehicle charging equipment installation. SCE customers can receive rebates for Level 2 ...
Rebates for natural gas energy efficiency improvements including high-efficiency furnaces, tankless water heaters, and w...
State law excludes the added value of solar energy systems from property tax assessments. Homeowners who install solar p...
State incentive program for home battery energy storage systems. Provides rebates based on battery capacity, with enhanc...
Disadvantaged Communities Single-family Solar Homes (DAC-SASH) program provides upfront incentives for solar installatio...
Federal HOME funds for homeowner rehabilitation in unincorporated Santa Barbara County. Provides forgivable loans for ma...
Provides minor home repair grants for seniors age 62+ to address health, safety, and accessibility issues. Administered ...
Federal program providing loans and grants to very low-income homeowners in rural areas to repair, improve, or modernize...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their disability-related ne...
Assists veterans with certain service-connected disabilities adapt their residence. Covers modifications like entrance r...
Provides grants to homeowners to strengthen their houses against earthquake damage. Eligible homes are wood-frame houses...
State-funded grants to harden homes against wildfire in high fire hazard severity zones. Covers fire-resistant roofing, ...
Provides mortgage payment assistance to homeowners experiencing financial hardship. Can cover past-due mortgage payments...
Allows eligible senior, blind, or disabled homeowners to defer payment of property taxes on their principal residence. T...
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 Santa Barbara, 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 Santa Barbara, 16 programs do not require repayment, 3 are forgivable loans, and 5 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.