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.
| 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 | 5 | 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 forgivable loans up to $30,000 for major home repairs for owner-occupied homes in Waco city limits with income ...
Provides emergency home repairs for owner-occupied households in Waco with income at or below 50% AMI. Covers repairs th...
Provides grants for accessibility modifications to owner-occupied homes in Waco for residents with disabilities or senio...
Federally-funded weatherization program administered by TDHCA that provides free energy efficiency improvements to eligi...
Texas Gas Service offers rebates for qualifying high-efficiency natural gas equipment including furnaces, water heaters,...
Oncor offers rebates for qualifying high-efficiency air conditioning systems and heat pumps installed in Waco. Rebate am...
Oncor provides rebates for attic insulation and air sealing improvements that meet program requirements. Includes pre-im...
Instant rebate on qualifying smart thermostats purchased through participating retailers. Eligible thermostats include N...
Low-interest loans up to $40,000 for very low-income homeowners in eligible rural areas of McLennan County to repair, im...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their accessibili...
Grant for veterans with certain service-connected disabilities to modify an existing home or a family member's home for ...
Texas solar property tax exemption and Oncor's distributed generation interconnection program allow homeowners to instal...
Provides minor home repairs and modifications for low-income seniors (60+) in McLennan County to help them age in place ...
Federal HOME funds administered by TDHCA provide rehabilitation assistance to low-income homeowners in Texas. Funds may ...
State-funded program to identify and remediate lead-based paint hazards in homes built before 1978 with children under 6...
Financial assistance for repair or replacement of private water or sewer laterals from the property line to the home. Av...
Property tax exemption for owners of designated historic properties in Waco who complete approved rehabilitation project...
State-mandated homestead exemption removes $100,000 from school district taxable value for all owner-occupied primary re...
Texas state law freezes school district property taxes at the amount paid in the year you turn 65 or become disabled. Ta...
Texas disabled veterans receive property tax exemptions ranging from partial to 100% based on VA disability rating. Vete...
Texas GLO administers federal CDBG-DR funds following presidentially-declared disasters. Programs include home repair, r...
FEMA Hazard Mitigation Grant Program provides funding for projects that reduce risk from future disasters. Typical proje...
Rebates for water-efficient fixtures and appliances including high-efficiency toilets, smart irrigation controllers, rai...
Mortgage Credit Certificate allows first-time homebuyers in Texas to claim a federal tax credit equal to 30% of annual m...
Down payment and closing cost assistance for eligible first-time homebuyers in Texas. Multiple programs available includ...
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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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.
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.
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.