Home Improvement Grants in Santa Cruz.
Browse cataloged grants, rebates, loans, and other assistance records for Santa Cruz, CA. Verify each program's current rules, service area, and status.
The Santa Cruz, CA directory shows 26 cataloged resources. Of those, 22 are currently open or actionable home improvement or repair assistance records; the largest published amount stored among those 22 records is $126,526, not an estimate of your award. Discovery tags include 6 senior-related records, 2 veteran-related records, and 12 marked with no income limit. These tags do not determine eligibility; verify the complete official rules.
Record set last reviewed 2026-06-09. How we verify our data.
Types of help in this city
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| Funding type | Records | What to verify | Label scope |
|---|---|---|---|
| Grants | 15 | Repayment, tax, and possible lien terms | Directory classification; confirm official terms |
| Forgivable loans | 1 | Forgiveness schedule, residency, and lien terms | Directory classification; confirm official terms |
| Rebates | 4 | Eligible purchases, upfront payment, and claim timing | Directory classification; confirm official terms |
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FEMA Hazard Mitigation Grant Program (HMGP)
HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
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...
California Weatherization Assistance Program (WAP)
Federally funded program providing free energy efficiency improvements to income-eligible households in Santa Cruz Count...
Santa Cruz Owner-Occupied Rehabilitation Program
Provides deferred, zero-interest loans to low-income homeowners in Santa Cruz city limits for major home repairs and cod...
Santa Cruz Emergency Home Repair Grant
Grant program for very low-income Santa Cruz homeowners facing urgent health and safety repairs. Covers emergency situat...
Santa Cruz ADA Home Modification Program
Zero-interest deferred loan for accessibility modifications in Santa Cruz homes occupied by disabled or senior residents...
Santa Cruz County Lead Hazard Control Program
HUD-funded program providing free lead-based paint hazard evaluation and remediation for Santa Cruz County homes built b...
PG&E REACH Program
Relief for Energy Assistance through Community Help (REACH) provides one-time grants to income-qualified PG&E customers ...
PG&E Energy Upgrade California
Comprehensive whole-home energy efficiency rebate program for PG&E customers. Incentives for HVAC upgrades, insulation, ...
PG&E Heat Pump Water Heater Rebate
Rebate for replacing electric or gas water heaters with ENERGY STAR certified heat pump water heaters. Higher rebates av...
Central Coast Community Energy Heat Pump Rebate
Rebate for residential heat pump HVAC systems for 3CE customers in Santa Cruz. Incentive reduces upfront cost of switchi...
3CE Electric Vehicle Charger Rebate
Rebate for installation of Level 2 electric vehicle charging stations at single-family homes in 3CE service territory. C...
3CE Solar and Battery Storage Incentive
Incentive for battery energy storage systems paired with solar panels for 3CE customers. Helps reduce reliance on grid d...
CalHFA Dream Maker Home Improvement Loan
Low-interest home improvement loan for California homeowners to make repairs, accessibility modifications, or energy-eff...
USDA Section 504 Home Repair Grant
Grant for very low-income homeowners age 62 or older in eligible rural areas of Santa Cruz County to remove health and s...
USDA Section 504 Home Repair Loan
Very low-interest loan (1% fixed) for very low-income homeowners in eligible rural areas of Santa Cruz County to repair,...
VA Specially Adapted Housing (SAH) Grant
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disabili...
VA Special Housing Adaptation (SHA) Grant
Grant for veterans with certain service-connected disabilities to make adaptations to a family member's home in which th...
Santa Cruz County HOME Investment Partnership
Federal HOME funds for major rehabilitation of owner-occupied homes in unincorporated Santa Cruz County. Zero-interest f...
Santa Cruz County Senior Home Repair Grant
Grant for homeowners age 60 and over in Santa Cruz County for minor home repairs and safety modifications. Helps seniors...
Santa Cruz Sewer Lateral Grant Program
Cost-share grant to help Santa Cruz homeowners repair or replace failing private sewer laterals. City reimburses 50% of ...
Santa Cruz Earthquake Retrofit Program
Grant for homeowners in Santa Cruz County to seismically retrofit wood-frame houses built before 1980. Helps strengthen ...
CaliforniaFIRST PACE Financing
Property Assessed Clean Energy (PACE) financing for energy efficiency, renewable energy, and water conservation improvem...
Federal Residential Solar Tax Credit (ITC)
Federal investment tax credit covering 30% of the cost of installing residential solar panels and battery storage system...
Check program coordination before building a budget
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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