Find grants, rebates, forgivable loans, and free programs for Santa Cruz, CA, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Santa Cruz, CA, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 13 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 | 2 | 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...
Federally funded program providing free energy efficiency improvements to income-eligible households in Santa Cruz Count...
Provides deferred, zero-interest loans to low-income homeowners in Santa Cruz city limits for major home repairs and cod...
Grant program for very low-income Santa Cruz homeowners facing urgent health and safety repairs. Covers emergency situat...
Zero-interest deferred loan for accessibility modifications in Santa Cruz homes occupied by disabled or senior residents...
HUD-funded program providing free lead-based paint hazard evaluation and remediation for Santa Cruz County homes built b...
Relief for Energy Assistance through Community Help (REACH) provides one-time grants to income-qualified PG&E customers ...
Comprehensive whole-home energy efficiency rebate program for PG&E customers. Incentives for HVAC upgrades, insulation, ...
Rebate for replacing electric or gas water heaters with ENERGY STAR certified heat pump water heaters. Higher rebates av...
Rebate for residential heat pump HVAC systems for 3CE customers in Santa Cruz. Incentive reduces upfront cost of switchi...
Rebate for installation of Level 2 electric vehicle charging stations at single-family homes in 3CE service territory. C...
Incentive for battery energy storage systems paired with solar panels for 3CE customers. Helps reduce reliance on grid d...
Low-interest home improvement loan for California homeowners to make repairs, accessibility modifications, or energy-eff...
Grant for very low-income homeowners age 62 or older in eligible rural areas of Santa Cruz County to remove health and s...
Very low-interest loan (1% fixed) for very low-income homeowners in eligible rural areas of Santa Cruz County to repair,...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disabili...
Grant for veterans with certain service-connected disabilities to make adaptations to a family member's home in which th...
Federal HOME funds for major rehabilitation of owner-occupied homes in unincorporated Santa Cruz County. Zero-interest f...
Grant for homeowners age 60 and over in Santa Cruz County for minor home repairs and safety modifications. Helps seniors...
Cost-share grant to help Santa Cruz homeowners repair or replace failing private sewer laterals. City reimburses 50% of ...
Grant for homeowners in Santa Cruz County to seismically retrofit wood-frame houses built before 1980. Helps strengthen ...
Property Assessed Clean Energy (PACE) financing for energy efficiency, renewable energy, and water conservation improvem...
Federal investment tax credit covering 30% of the cost of installing residential solar panels and battery storage system...
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 Santa Cruz, 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 Cruz, 16 programs do not require repayment, 2 are forgivable loans, 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.