Home Improvement Grants in San Diego.
Browse cataloged grants, rebates, loans, and other assistance records for San Diego, CA. Verify each program's current rules, service area, and status.
The San Diego, CA directory shows 53 cataloged resources. Of those, 42 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 42 records is $170,000, not an estimate of your award. Discovery tags include 13 senior-related records, 5 veteran-related records, and 17 marked with no income limit. These tags do not determine eligibility; verify the complete official rules.
Record set last reviewed 2026-04-03. How we verify our data.
Types of help in this city
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| Funding type | Records | What to verify | Label scope |
|---|---|---|---|
| Grants | 27 | Repayment, tax, and possible lien terms | Directory classification; confirm official terms |
| Forgivable loans | 9 | Forgiveness schedule, residency, and lien terms | Directory classification; confirm official terms |
| Rebates | 3 | Eligible purchases, upfront payment, and claim timing | Directory classification; confirm official terms |
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SDHC Housing Rehabilitation Program, Home Repair Grant
The San Diego Housing Commission administers a Housing Rehabilitation Program that provides grants and deferred loans to...
SDHC ADU Finance Program
The SDHC ADU Finance Program offers construction-to-permanent loans up to $250,000 at a 1% fixed rate during constructio...
SDHC First-Time Homebuyer Program, Low Income
The SDHC Low-Income First-Time Homebuyer Program provides a deferred loan of up to 19% of the purchase price (maximum ~$...
SDHC First-Time Homebuyer Program, Middle Income
SDHC's Middle-Income First-Time Homebuyer Program offers a $40,000 deferred down-payment loan at 4% simple interest for ...
San Diego County Housing Repair Loan and Grant Program
San Diego County administers CDBG-funded housing repair loans and grants for low-income homeowners in unincorporated are...
San Diego County First-Time Homebuyer Program, Low Income
San Diego County's Low-Income First-Time Homebuyer Program (administered by SDHC) provides deferred loans covering up to...
San Diego County First-Time Homebuyer Program, Moderate Income
San Diego County's Moderate-Income First-Time Homebuyer Program (administered by SDHC) provides deferred loans of up to ...
SDG&E Energy Savings Assistance (ESA) Program
SDG&E's Energy Savings Assistance (ESA) Program provides no-cost energy-efficient home improvements to income-qualified ...
SDG&E CARE Bill Discount Program
The California Alternate Rates for Energy (CARE) program provides a 30-35% discount on monthly SDG&E electricity and nat...
SDG&E FERA (Family Electric Rate Assistance) Program
The Family Electric Rate Assistance (FERA) program provides an 18% discount on electricity bills for SDG&E residential c...
SDG&E / SDCP Solar and Battery Storage Incentive
San Diego homeowners can participate in Net Energy Metering (NEM) or the Solar Billing Plan (SBP) through SDG&E, receivi...
SDCP Solar Advantage (DAC-GT), 20% Bill Discount
The Solar Advantage program (Disadvantaged Communities Green Tariff) provides a 20% discount on electricity bills for up...
SDCP Smart Home Flex Incentive
The Smart Home Flex program rewards SDG&E/SDCP customers for adjusting smart thermostats, water heaters, and other conne...
City of San Diego WaterSmart Conservation Rebates
The City of San Diego offers WaterSmart rebates for homeowners to reduce outdoor water consumption, including turf repla...
San Diego CDBG Home Repair Program
The City of San Diego uses Community Development Block Grant (CDBG) funds to support home repair and rehabilitation prog...
VA Specially Adapted Housing (SAH) Grant
The VA Specially Adapted Housing (SAH) Grant provides up to $126,526 to help veterans with severe service-connected disa...
VA Special Home Adaptation (SHA) Grant
The VA Special Home Adaptation (SHA) Grant provides up to $25,350 to help veterans with qualifying service-connected dis...
VA Temporary Residence Adaptation (TRA) Grant
The Temporary Residence Adaptation (TRA) grant helps SAH or SHA-eligible veterans modify a family member's home where th...
VA Home Improvements and Structural Alterations (HISA) Grant
The HISA grant provides funding for medically necessary home structural modifications for veterans who require improveme...
USDA Section 504 Home Repair Loan
USDA Section 504 provides up to $40,000 in low-interest loans (1% fixed, 20-year term) to very-low-income homeowners in ...
USDA Section 504 Home Repair Grant
USDA Section 504 provides grants of up to $10,000 to very-low-income homeowners aged 62 or older in eligible rural areas...
FHA 203(k) Rehabilitation Mortgage
The FHA 203(k) Rehabilitation Mortgage allows homebuyers or existing homeowners to finance both the purchase (or refinan...
FHA Title I Property Improvement Loan
HUD's FHA Title I Property Improvement Loan program allows homeowners and long-term renters to borrow for home improveme...
DOE/CA Weatherization Assistance Program (WAP)
The federal Weatherization Assistance Program (WAP), administered in California through the Department of Community Serv...
LIHEAP, Low Income Home Energy Assistance Program
LIHEAP (Low Income Home Energy Assistance Program) helps low-income households pay their energy bills, including SDG&E b...
HUD Lead Hazard Reduction Grant (via Local Subgrantee)
HUD awards Lead Hazard Reduction grants to local governments and nonprofits (including San Diego area agencies) to ident...
IRS Energy Efficient Home Improvement Credit (25C)
The Section 25C tax credit allows homeowners to claim 30% of the cost of qualifying energy-efficient home improvements, ...
IRS Residential Clean Energy Credit (25D)
The Section 25D Residential Clean Energy Credit provides a 30% federal tax credit for installations completed by Decembe...
California Property Tax Exemption, Disabled Veterans
California grants property tax exemptions to veterans who have a service-connected disability rating of 100% (or are com...
California Homeowners' Property Tax Exemption
California's Homeowners' Exemption reduces the assessed value of an owner-occupied primary residence by $7,000, saving a...
California Senior Citizen Property Tax Postponement
California's Property Tax Postponement Program allows homeowners aged 62 or older, blind, or disabled with a household i...
CalHFA ADU Grant Program
The CalHFA ADU Grant Program provides up to $40,000 to cover predevelopment costs for building an accessory dwelling uni...
CalHFA MyHome Assistance Program
The CalHFA MyHome Assistance Program provides a deferred-payment junior loan for down payment or closing cost assistance...
CalHFA Dream For All Shared Appreciation Loan
CalHFA's Dream For All Shared Appreciation Loan provides up to 20% of the home purchase price (maximum $150,000) for fir...
San Diego County HOME Investment Partnerships, Owner-Occupied Rehab
San Diego County uses HUD HOME Investment Partnerships Program funds to provide deferred loans and grants for substantia...
FEMA Hazard Mitigation Grant Program (HMGP)
FEMA's HMGP provides post-disaster funding to reduce future disaster losses. San Diego homeowners in wildfire- or flood-...
FEMA Building Resilient Infrastructure and Communities (BRIC)
FEMA's BRIC program provided pre-disaster mitigation funding to communities and was a pathway for some homeowner mitigat...
California Energy Upgrade Home Program (via SDG&E)
California's Home Upgrade program (formerly Energy Upgrade California), administered locally by SDG&E, provides rebates ...
Metropolitan Water District Turf Removal Rebate (SoCal WaterSmart)
The Metropolitan Water District of Southern California, through the SoCal WaterSmart program, offers $2 per square foot ...
City of Chula Vista First-Time Homebuyer Assistance Program
The City of Chula Vista, administered by SDHC, provides first-time homebuyers with a deferred loan of up to 22% of the p...
City of El Cajon First-Time Homebuyer Assistance Program
The City of El Cajon, administered by SDHC, provides first-time homebuyers a deferred loan of up to 30% of the purchase ...
California Mortgage Relief Program (HAP), Homeowner Assistance Fund
California's Mortgage Relief Program (federally funded Homeowner Assistance Fund) provided grants of up to $80,000 to he...
FEMA Increased Cost of Compliance (ICC) Coverage, NFIP
ICC coverage is automatically included in every NFIP flood insurance policy and pays up to $30,000 to help bring a flood...
CalOSBA / IBank Infrastructure & Housing Finance (Small Business/Homeowner Programs)
California's IBank Jump Start Loan Program and related programs partner with nonprofits and community lenders to provide...
San Diego County First-Time Homebuyer, Moderate Income (80-120% AMI)
San Diego County's Moderate-Income First-Time Homebuyer Program, administered by SDHC, provides deferred loans of up to ...
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...
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...
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...
American Red Cross Home Fire Campaign, Free Smoke Alarms
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA State Indoor Radon Grants, State Radon Programs
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks Network, Home Repair & Modification Programs
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
National Trust for Historic Preservation, Homeowner Resources
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
HUD Section 184 Indian Home Loan Guarantee
The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Al...
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A local grant, utility rebate, or tax credit may cover different parts of a project, but administrators set their own coordination rules. Confirm compatibility and payment timing with each official source.
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