Find grants, rebates, forgivable loans, and free programs for Temple, TX, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Temple, TX, with individual awards up to $126,526. 5 programs target seniors, 3 serve veterans, and 14 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | 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 that reduces energy costs by improving home energy efficiency for low-income households. Servic...
State-funded program that provides grants and forgivable loans to repair, rehabilitate, or reconstruct owner-occupied ho...
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 purchase or modify a home to accommodate their disability. Av...
Helps veterans with certain service-connected disabilities adapt a family member's home in which they will reside. For v...
Oncor offers a $60 rebate for residential customers who complete a qualifying air conditioning tune-up by a licensed HVA...
Oncor pays $50 for each working refrigerator or freezer you recycle, and provides free pickup. Recycling old, inefficien...
Free in-home energy assessment by a trained professional who will install energy-saving products on the spot, including ...
Atmos Energy offers rebates for residential customers who install qualifying high-efficiency natural gas equipment, incl...
Provides emergency and critical home repair grants for Temple homeowners age 62 and older with income at or below 80% AM...
CDBG-funded grant program for low-income Temple homeowners with disabilities to make accessibility modifications to thei...
Provides emergency financial assistance to low-income Temple homeowners for sewer lateral repairs on private property th...
Temple Utilities offers cost-sharing assistance to homeowners who need to replace aging or failing water service lines f...
TexCap provides home repair assistance to low-income homeowners in Bell County, including Temple, focusing on critical h...
Low-interest home improvement loan program for Texas veterans. Funds can be used for repairs, improvements, or additions...
State-funded program that provides free lead hazard assessments and remediation for income-qualified families with child...
State-administered disaster recovery program using HUD CDBG-DR funds. Provides grants for home repairs, reconstruction, ...
Oncor provides net metering for residential solar customers, allowing you to receive credits for excess electricity your...
Federal tax credit for 30% of the cost of installing a residential solar energy system, including solar panels and batte...
Texas law exempts the added home value from solar panel installations from property taxes. Solar equipment does not incr...
Texas homeowners are entitled to a homestead exemption that reduces the taxable value of their primary residence for sch...
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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25 programs are currently listed for Temple, 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 Temple, 20 programs do not require repayment, 1 is forgivable loan, and 2 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.