Find grants, rebates, forgivable loans, and free programs for Surprise, AZ, filtered to your situation.
As of June 2026, 34 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Surprise, AZ, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 17 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 8 | 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 rehabilitation assistance for owner-occupied homes in Surprise for low-income households. Forgivable loan for m...
Emergency grant program for owner-occupied homes in Surprise facing immediate health and safety hazards. Covers critical...
Provides accessibility modifications for Surprise homeowners with disabilities, including wheelchair ramps, widened door...
APS rebate program for comprehensive home energy efficiency improvements including insulation, air sealing, duct sealing...
APS rebate for upgrading to high-efficiency air conditioning or heat pump systems. Rebate amounts vary based on SEER rat...
APS provides rebates for replacing standard electric water heaters with high-efficiency heat pump water heaters. Units m...
APS program providing incentives and net metering for residential solar installations. Customers receive bill credits fo...
Federally-funded weatherization services for low-income Surprise households. Provides free energy efficiency improvement...
State-funded home repair and rehabilitation loan program for moderate-income Arizona homeowners. Offers low-interest loa...
USDA program offering low-interest loans up to $27,500 and grants up to $10,000 for very low-income homeowners in eligib...
VA grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their adaptive...
VA grant for veterans with certain service-connected disabilities to adapt a family member's home in which they will res...
Maricopa County program providing grants for essential home repairs for senior homeowners age 60 and older with limited ...
Emergency assistance for Maricopa County homeowners facing urgent health and safety hazards due to home system failures....
Regional energy efficiency rebate program offering incentives for insulation upgrades, window replacement, duct sealing,...
Housing assistance for Gila River Indian Community members living on or near reservation lands. Provides home rehabilita...
Emergency cooling assistance program providing AC repair, replacement, or fans for low-income Maricopa County residents ...
HUD HOME-funded rehabilitation program for low-income homeowners in Maricopa County. Provides forgivable loans for subst...
Low-interest loan program for Surprise homeowners needing to repair or replace private sewer lateral lines. Helps cover ...
Arizona property tax freeze program for senior homeowners age 65 and older with total household income of $37,832 or les...
HUD-funded lead hazard control program for Arizona homes built before 1978 with children under age 6. Provides free lead...
APS rebate for adding insulation to attics, walls, and floors. Rebate amounts based on square footage and type of insula...
APS rebate for professional duct testing, sealing, and repair to improve HVAC efficiency. Reduces air leakage and improv...
Federal tax credit covering 30% of the cost of installing a residential solar energy system. Applies to solar panels, in...
Federal tax credit for energy-efficient home improvements including windows, doors, insulation, heat pumps, and water he...
APS rebate for purchasing and installing a qualifying smart thermostat. Smart thermostats automatically adjust temperatu...
APS program providing shade tree vouchers to residential customers. Strategic tree placement around homes can reduce coo...
APS rebate for upgrading to an ENERGY STAR certified variable-speed pool pump. Variable-speed pumps use significantly le...
County and federal disaster recovery assistance activated following presidential or gubernatorial disaster declarations....
Assists low-income Arizona households with cooling and heating costs, particularly during extreme temperatures. Provides...
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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34 programs are currently listed for Surprise, 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 Surprise, 19 programs do not require repayment, 3 are forgivable loans, and 8 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.