Find grants, rebates, forgivable loans, and free programs for Shiprock, NM, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Shiprock, NM, with individual awards up to $150,000. 8 programs target seniors, 2 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 | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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...
Free weatherization services to reduce energy costs for income-eligible New Mexico households. Covers insulation, air se...
Provides deferred payment loans for essential home repairs and improvements to income-eligible New Mexico homeowners. Lo...
Low-interest loans up to $40,000 for very low-income rural homeowners to repair, improve, or modernize homes. Loans are ...
Grants up to $10,000 for very low-income homeowners age 62+ in rural areas to remove health and safety hazards. Does not...
Grant for veterans with certain service-connected disabilities to construct an adapted home or modify an existing home f...
Grant for veterans with certain service-connected disabilities to adapt a home for independent living. For veterans with...
Free lead hazard control services for homes built before 1978 with children under age 6. Includes lead inspection, risk ...
Provides funding assistance to address failing septic systems and wastewater needs in small communities and rural areas....
Rebates for energy-efficient upgrades including HVAC systems, insulation, windows, and water heaters. Available to PNM e...
Energy efficiency rebates for NTUA customers who complete qualifying weatherization improvements. Includes rebates for i...
State tax credit equal to 10% of the purchase and installation costs of a solar photovoltaic or solar thermal system, up...
Federal tax credit worth 30% of the cost of installing a solar energy system on your home. Includes solar panels, batter...
Provides financial assistance to income-eligible Navajo Nation homeowners for rehabilitation and repairs. Funding struct...
Emergency home repair assistance for Navajo homeowners facing immediate health and safety hazards. Priority given to eld...
Provides heating and cooling bill assistance to low-income households. Available seasonally for winter heating and summe...
Annual property tax rebate for low-income New Mexico homeowners who are age 65+ or permanently disabled and meet income ...
Federal HOME funds administered by NMMFA to support homeowner rehabilitation for income-eligible households. Provides gr...
State tax credit for homeowners who make accessibility improvements for a resident with disabilities. Credit equals 50% ...
Emergency furnace repair or replacement for low-income households facing heating system failure during winter months. Pr...
Low-interest loans to homeowners in underserved areas for installation or repair of septic tank systems. Loan terms up t...
Assistance program for Navajo elders age 55+ to help with home repairs, safety improvements, and winterization. Includes...
Federal IHBG funds for reconstruction or major rehabilitation of severely substandard homes for Navajo Nation members. S...
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 Shiprock, 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 Shiprock, 17 programs do not require repayment, 2 are forgivable loans, and 3 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.