Find grants, rebates, forgivable loans, and free programs for Saratoga, CA, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Saratoga, CA, with individual awards up to $161,013. 5 programs target seniors, 4 serve veterans, and 16 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 | 7 | 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 reduce utility costs for income-eligible California households. Services...
Provides down payment assistance loans for disabled California veterans purchasing a home. The loan is forgiven after 5 ...
Provides loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their h...
Helps veterans with certain service-connected disabilities adapt or purchase a home to meet their disability needs. Avai...
Helps veterans with certain service-connected disabilities adapt their residence. Available for veterans who are blind i...
Provides deferred, forgivable loans to low and moderate-income owner-occupants for major home repairs and improvements. ...
Provides grants for accessibility modifications to homes occupied by persons with disabilities or seniors. Modifications...
Provides free lead hazard assessment, case management, and abatement services for families with children under 6 who hav...
Provides rebates for residential customers who install heat pump space heating systems or heat pump water heaters. Incen...
Offers rebates for residential electric vehicle charging station installation for SVCE customers. Enhanced incentives av...
Provides rebates for comprehensive whole-home energy efficiency upgrades. Includes incentives for insulation, air sealin...
Offers rebates for purchasing and installing qualifying energy-efficient appliances including heat pump water heaters, s...
Provides incentives to replace old wood-burning stoves, fireplaces, and inserts with cleaner heating options such as nat...
Provides rebates for installing battery energy storage systems at residential properties. Enhanced incentives for low-in...
Excludes the added value of an active solar energy system from property tax assessment when installed on existing or new...
Allows residential solar customers to receive credit on their utility bills for excess electricity their solar systems s...
Allows eligible seniors age 62+ to defer property taxes on their primary residence. The state pays the taxes and places ...
Provides a reduction in assessed value for seniors 65+, blind, or disabled persons who own and occupy their primary resi...
Provides property tax exemptions for disabled veterans who own and occupy their principal place of residence. The exempt...
Provides reimbursement grants for home hardening retrofits that reduce wildfire risk. Eligible improvements include Clas...
Offers grants to strengthen older houses built with raised foundations, making them more resistant to earthquake damage....
Provides rebates for converting lawns to water-efficient landscapes with California-friendly plants, mulch, and drip irr...
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 Saratoga, 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 Saratoga, 16 programs do not require repayment, 2 are forgivable loans, and 7 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.