Find grants, rebates, forgivable loans, and free programs for Bay City, TX, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Bay City, TX, with individual awards up to $200,000. 7 programs target seniors, 3 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | Refunded to you after purchase | Energy-efficiency upgrades |
Not sure which program fits? Email us what you need. It is free, and a real person answers.
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...
Federally funded program administered by TDHCA that provides free weatherization improvements to income-eligible househo...
CDBG-funded program providing major home repairs and rehabilitation for low-income homeowners in Bay City. Structured as...
Provides emergency repair grants for very low-income homeowners facing immediate health and safety hazards. Covers criti...
CDBG-funded grant program to assist low-income homeowners with disabilities or seniors requiring accessibility modificat...
Federal program providing grants up to $10,000 for very low-income homeowners age 62+ to remove health and safety hazard...
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 in which they will reside, or th...
Rebates for residential customers who purchase and install qualifying high-efficiency HVAC equipment. Rebates range from...
Rebates for residential customers who purchase and install qualifying high-efficiency natural gas water heaters. Rebates...
Rebate for residential customers who add insulation to their homes. Covers attic, wall, and floor insulation that meets ...
Federal tax credit equal to 30% of the cost of installing a residential solar photovoltaic system. Credit applies to sol...
Federal HOME funds administered by TDHCA for owner-occupied housing rehabilitation and reconstruction. Assists low-incom...
County-funded program providing minor home repair grants for low-income seniors age 60 and older in Matagorda County. Co...
Low-interest loan program to assist Bay City homeowners with repairing or replacing damaged private sewer laterals from ...
HUD-funded program to reduce lead-based paint hazards in homes built before 1978 where children under age 6 reside. Serv...
Texas homestead exemption reduces the taxable value of your primary residence for school district taxes by at least $100...
Texas homeowners age 65 or older receive a school tax ceiling that freezes the amount of school taxes owed on their home...
Texas disabled veterans receive property tax exemptions ranging from $5,000 to 100% based on VA disability rating. Veter...
Federal disaster recovery funds administered by Texas GLO to help homeowners rebuild after federally declared disasters ...
FEMA program to reduce or eliminate the risk of repetitive flood damage to properties insured under the National Flood I...
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.
These contractors specialize in grant-funded projects and understand the documentation requirements.
No contractors listed yet, be the first in this market.
Tell us about your project. We'll connect you with contractors in your city who've completed grant-funded work and know the program documentation.
We'll email you when new programs open, deadlines approach, or funding runs low.
24 programs are currently listed for Bay City, 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 Bay City, 17 programs do not require repayment, 2 are forgivable loans, and 3 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.