Find grants, rebates, forgivable loans, and free programs for Santa Fe, NM, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Santa Fe, NM, with individual awards up to $126,526. 9 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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 free energy efficiency improvements to income-qualified households in Santa Fe and throughout New Mexico. Servi...
Provides forgivable loans for major home repairs and rehabilitation to low-income homeowners in Santa Fe city limits. Lo...
Provides emergency grants for urgent health and safety repairs to very low-income homeowners in Santa Fe. Priority given...
Offers solar panel installation rebates to income-qualified PNM residential customers in Santa Fe. Program covers a sign...
Provides energy efficiency rebates for PNM electric customers who upgrade to efficient heating/cooling systems, insulati...
Offers rebates to New Mexico Gas Company customers who install high-efficiency natural gas furnaces, water heaters, and ...
Provides matching grants for preservation and repair of historic homes in designated Santa Fe historic districts. Funds ...
Specialized grant program for low-income homeowners needing adobe home repairs in Santa Fe. Addresses structural issues,...
Provides grants for accessibility modifications to homes of low-income residents with disabilities in Santa Fe. Covers r...
Provides home repair grants specifically for senior homeowners age 62+ in Santa Fe with low incomes. Priority for health...
Federal program offering low-interest loans and grants to very low-income homeowners in eligible rural areas near Santa ...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their disability-related ne...
Helps veterans with certain service-connected disabilities adapt a home to meet disability needs. Available to Santa Fe ...
HUD-funded program providing free lead hazard assessment and remediation in pre-1978 homes with children under 6 in Sant...
Provides larger-scale rehabilitation loans using federal HOME funds for low-income Santa Fe homeowners with significant ...
Provides low-interest loans to Santa Fe homeowners for repair or replacement of private sewer laterals connecting to the...
Offers rebates to Santa Fe water customers who install water-efficient fixtures, high-efficiency water heaters, and low-...
State-funded rebates for Santa Fe homeowners who install qualified electric heat pumps for heating and cooling. Part of ...
Provides home repair and rehabilitation assistance to enrolled members of pueblos near Santa Fe including Tesuque, Pojoa...
Provides assistance to Santa Fe residents affected by federally declared disasters including wildfires, floods, and seve...
Provides property tax rebate to low-income senior homeowners age 65+ in Santa Fe County. Helps fixed-income seniors affo...
Provides bill payment assistance to low-income PNM customers in Santa Fe facing financial hardship. One-time or recurrin...
Federal program providing heating and cooling bill assistance to low-income households in Santa Fe. Priority for househo...
Provides down payment and closing cost assistance to first-time homebuyers in Santa Fe purchasing through MFA. Forgivabl...
Offers HUD-certified homebuyer education classes for Santa Fe area residents. Covers budgeting, credit, mortgage options...
Allows Santa Fe PNM customers to subscribe to community solar projects without installing panels on their property. Rece...
Provides rehabilitation funds to landlords who rent to low-income tenants in Santa Fe. Property owner must agree to main...
Offers low-interest loans for septic system installation or repair to homeowners in underserved colonias and rural areas...
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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32 programs are currently listed for Santa Fe, 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 Fe, 20 programs do not require repayment, 3 are forgivable loans, and 6 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.