Find grants, rebates, forgivable loans, and free programs for Torrance, CA, filtered to your situation.
As of June 2026, 33 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Torrance, CA, with individual awards up to $161,164. 6 programs target seniors, 3 serve veterans, and 18 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 21 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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 deferred loans for major home repairs to low-income homeowners in Torrance. Loan is secured by a deed of trust ...
Provides grants for accessibility modifications to homes occupied by persons with disabilities. Covers ramps, bathroom m...
Provides emergency repair grants to senior homeowners (62+) in Torrance with low incomes. Addresses health and safety ha...
Federally funded program administered by the state to reduce energy costs for low-income households. Provides comprehens...
State-funded grant program administered through local agencies to provide accessibility modifications for disabled homeo...
Rebates for energy-efficient heating and cooling equipment upgrades. Covers central air conditioners, heat pumps, and sm...
Rebate for replacing electric or gas water heater with energy-efficient heat pump water heater. Income-qualified custome...
Net Energy Metering program allows solar customers to receive credit for excess electricity generated and sent back to t...
Comprehensive whole-house energy efficiency rebates for gas customers. Requires home energy assessment and installation ...
Rebate for installing high-efficiency natural gas furnace (95% AFUE or higher). Additional rebates available for income-...
Self-Generation Incentive Program provides rebates for home battery storage systems. Higher incentives for equity and eq...
Property Assessed Clean Energy financing for energy efficiency and renewable energy improvements. Repaid through propert...
Provides lead hazard reduction services for pre-1978 homes with children under 6 or pregnant women. Services include lea...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their accessibility needs. ...
Helps veterans with certain service-connected disabilities adapt a family member's home where they reside. Covers access...
Provides grants (seniors 62+) and low-interest loans to very-low-income homeowners in eligible rural areas to repair, im...
County-administered deferred loan program for major home repairs in unincorporated areas and participating cities. Loan ...
Provides up to $3,000 toward seismic retrofitting of eligible homes built before 1980 with raised foundation. Helps home...
Exempts $7,000 of assessed home value from property taxes for owner-occupied principal residences in California. Reduces...
Allows seniors (62+), blind, or disabled homeowners to defer current-year property taxes on their primary residence. Sta...
Exempts up to $161,164 (2024 amount) of assessed home value for disabled veterans or unmarried surviving spouses. Basic ...
Provides 50% reimbursement grants up to $5,000 for private sewer lateral repairs or replacement. Helps homeowners addres...
Rebate for replacing old water heater with high-efficiency Energy Star certified model. Promotes water and energy conser...
Rebate for installing EPA WaterSense certified smart irrigation controller. Automatically adjusts watering based on weat...
Rebate for removing grass lawns and replacing with drought-tolerant landscaping, permeable surfaces, or synthetic turf. ...
Provides grants to harden homes against wildfire in high fire-hazard zones. Covers roof replacement, vent screens, ember...
Provides funding for flood mitigation projects in flood-prone areas. Covers elevation, acquisition, relocation, flood-pr...
Down payment and closing cost assistance for first-time homebuyers purchasing in California. Provides 3.5% deferred-paym...
Helps income-eligible California households pay heating and cooling bills and provides weatherization services. Administ...
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.
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33 programs are currently listed for Torrance, 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 Torrance, 21 programs do not require repayment, 2 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.