Home Improvement Grants in Waco.

Find grants, rebates, forgivable loans, and free programs for Waco, TX, filtered to your situation.

As of June 2026, 29 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Waco, TX, with individual awards up to $126,526. 6 programs target seniors, 4 serve veterans, and 15 require no income limit.

Data last verified 2026-05-25. How we verify our data.

Types of help in this city

Funding typeProgramsRepaid?Best for
Grants19Never repaidIncome-qualified homeowners
Forgivable loans3Forgiven after a residency periodLarger repairs with no money down
Rebates5Refunded to you after purchaseEnergy-efficiency upgrades

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Showing 29 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Up to $30,000 forgivable loan

City of Waco Owner-Occupied Rehabilitation Program

Provides forgivable loans up to $30,000 for major home repairs for owner-occupied homes in Waco city limits with income ...

Home Repair
Up to $10,000 grant

City of Waco Emergency Home Repair Grant

Provides emergency home repairs for owner-occupied households in Waco with income at or below 50% AMI. Covers repairs th...

Emergency
Up to $20,000 grant

Waco ADA Home Accessibility Modifications

Provides grants for accessibility modifications to owner-occupied homes in Waco for residents with disabilities or senio...

Seniors & Disability
Up to $8,000 in weatherization

Texas Weatherization Assistance Program (Waco)

Federally-funded weatherization program administered by TDHCA that provides free energy efficiency improvements to eligi...

Weatherization
Up to $800 in rebates

Texas Gas Service Energy Efficiency Rebates

Texas Gas Service offers rebates for qualifying high-efficiency natural gas equipment including furnaces, water heaters,...

Energy
Up to $1,200 rebate

Oncor AC/Heat Pump Efficiency Rebate

Oncor offers rebates for qualifying high-efficiency air conditioning systems and heat pumps installed in Waco. Rebate am...

Energy
Up to $400 rebate

Oncor Insulation and Air Sealing Rebate

Oncor provides rebates for attic insulation and air sealing improvements that meet program requirements. Includes pre-im...

Weatherization
Up to $85 instant rebate

Oncor Smart Thermostat Program

Instant rebate on qualifying smart thermostats purchased through participating retailers. Eligible thermostats include N...

Energy
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Loan (McLennan County)

Low-interest loans up to $40,000 for very low-income homeowners in eligible rural areas of McLennan County to repair, im...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their accessibili...

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Grant for veterans with certain service-connected disabilities to modify an existing home or a family member's home for ...

Veterans
Varies by system size

Texas Solar Rights and Incentives

Texas solar property tax exemption and Oncor's distributed generation interconnection program allow homeowners to instal...

Solar/Renewable
Up to $5,000 grant

McLennan County Senior Home Repair Program

Provides minor home repairs and modifications for low-income seniors (60+) in McLennan County to help them age in place ...

Seniors & Disability
Up to $35,000

Texas HOME Investment Partnerships Program

Federal HOME funds administered by TDHCA provide rehabilitation assistance to low-income homeowners in Texas. Funds may ...

Home Repair
Free lead hazard removal

Texas Lead-Based Paint Hazard Reduction Program

State-funded program to identify and remediate lead-based paint hazards in homes built before 1978 with children under 6...

Home Repair
Up to $7,500 assistance

Waco Water/Sewer Lateral Repair Assistance

Financial assistance for repair or replacement of private water or sewer laterals from the property line to the home. Av...

Home Repair
Property tax exemption

Waco Historic Preservation Tax Exemption

Property tax exemption for owners of designated historic properties in Waco who complete approved rehabilitation project...

Historic
Reduces taxable value

Texas Homestead Property Tax Exemption

State-mandated homestead exemption removes $100,000 from school district taxable value for all owner-occupied primary re...

Property Tax Relief
Freezes school taxes

Texas Senior/Disabled Property Tax Ceiling

Texas state law freezes school district property taxes at the amount paid in the year you turn 65 or become disabled. Ta...

Property Tax Relief
Up to 100% exemption

Texas Disabled Veteran Property Tax Exemption

Texas disabled veterans receive property tax exemptions ranging from partial to 100% based on VA disability rating. Vete...

Property Tax Relief
Varies by disaster impact

Texas General Land Office Disaster Recovery

Texas GLO administers federal CDBG-DR funds following presidentially-declared disasters. Programs include home repair, r...

Disaster
Varies by project

McLennan County Hazard Mitigation Grant Program

FEMA Hazard Mitigation Grant Program provides funding for projects that reduce risk from future disasters. Typical proje...

Disaster
Up to $500 in rebates

City of Waco Water Conservation Rebates

Rebates for water-efficient fixtures and appliances including high-efficiency toilets, smart irrigation controllers, rai...

Energy
Up to $2,000/year tax credit

Texas Mortgage Credit Certificate (MCC)

Mortgage Credit Certificate allows first-time homebuyers in Texas to claim a federal tax credit equal to 30% of annual m...

Homebuyer
Up to 5% of loan amount

Texas State Affordable Housing Corporation Down Payment Assistance

Down payment and closing cost assistance for eligible first-time homebuyers in Texas. Multiple programs available includ...

Homebuyer

Stack programs to maximize your savings

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.

Stack your funding

Pick a project to see how much funding could stack on it from multiple programs in this city.

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Grant-Approved Contractors in Waco

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Get notified when programs change

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Frequently asked questions

What home improvement grants are available in Waco, TX?

29 programs are currently listed for Waco, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.

Do home improvement grants in Waco have to be repaid?

Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Waco, 19 programs do not require repayment, 3 are forgivable loans, and 5 are rebates.

How do I apply for home repair grants in Waco?

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.