Find grants, rebates, forgivable loans, and free programs for McAllen, TX, filtered to your situation.
As of June 2026, 31 home improvement grant, rebate, and forgivable loan programs are open to homeowners in McAllen, TX, with individual awards up to $200,000. 7 programs target seniors, 2 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 | 21 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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 to low-income homeowners in McAllen for comprehensive home rehabilitation including roofing, p...
Provides emergency repair grants for owner-occupied households in McAllen with income at or below 50% AMI. Addresses urg...
Provides forgivable loans to modify homes for accessibility for disabled household members, including ramps, widened doo...
Grant program for senior homeowners age 62+ in McAllen to address critical home repairs and safety improvements. Priorit...
Assists homeowners with the cost of repairing or replacing damaged sewer laterals from the home to the city main. Income...
Federally funded program administered by TDHCA providing free weatherization services to low-income households in McAlle...
Rebates for AEP Texas customers who install high-efficiency central air conditioning systems with SEER2 rating of 15.2 o...
Rebates for AEP Texas customers who add qualifying attic or wall insulation to their homes. Requires minimum R-value inc...
Rebates for AEP Texas customers who install qualifying electric heat pump systems. Higher rebates available for cold-cli...
Rebates for AEP Texas customers who install qualifying heat pump water heaters or high-efficiency electric water heaters...
Federal investment tax credit allowing homeowners to deduct 30% of the cost of installing a residential solar energy sys...
Performance-based incentive for AEP Texas customers who install grid-tied solar photovoltaic systems. Incentive amount b...
Low-interest loans for very low-income homeowners in eligible rural areas of Hidalgo County to repair, improve, or moder...
Grants for very low-income homeowners age 62 or older in eligible rural areas of Hidalgo County to remove health and saf...
Grant for veterans with certain service-connected disabilities to help purchase or modify a home to meet their disabilit...
Grant for veterans with certain service-connected disabilities to help adapt a home they or a family member own to accom...
Down payment and closing cost assistance for first-time homebuyers in McAllen purchasing a primary residence. Offered as...
Federal HOME funds administered by the City of McAllen for substantial housing rehabilitation for low-income homeowners....
Provides disaster recovery assistance to homeowners impacted by Hurricane Harvey and subsequent flooding events. Assists...
HUD-funded program to identify and remediate lead-based paint hazards in pre-1978 homes with children under age 6. Servi...
FEMA-funded flood mitigation assistance for properties with repetitive flood losses in Hidalgo County. Projects may incl...
Monthly 10% discount on electricity bills for qualifying low-income AEP Texas residential customers. Eligibility based o...
Federally funded program providing energy bill payment assistance to low-income households in McAllen. Priority given to...
State-funded energy assistance for low-income Texas households during summer cooling season. Provides one-time annual be...
Additional $10,000 homestead exemption for homeowners age 65 or older in Hidalgo County. Reduces the taxable value of yo...
Additional $10,000 homestead exemption for homeowners with a disability as defined by federal Social Security Administra...
HUD-certified homebuyer education course required for many first-time homebuyer assistance programs. Covers budgeting, m...
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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31 programs are currently listed for McAllen, 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 McAllen, 21 programs do not require repayment, 4 are forgivable loans, and 4 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.