Find grants, rebates, forgivable loans, and free programs for Mercedes, TX, filtered to your situation.
As of June 2026, 21 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Mercedes, TX, with individual awards up to $200,000. 6 programs target seniors, 3 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | 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...
Federally funded weatherization program administered by TDHCA to reduce energy costs for low-income households. Services...
AEP Texas offers rebates for qualifying energy-efficient upgrades including HVAC systems, insulation, windows, and water...
Rebate for installing qualifying high-efficiency electric heat pump systems that provide both heating and cooling. Heat ...
Texas law protects homeowner rights to install solar panels and requires utilities to offer net metering, crediting exce...
Low-interest loan for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. M...
Grant for very low-income homeowners age 62 or older to remove health and safety hazards. Can be combined with Section 5...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Co...
Helps veterans with certain service-connected disabilities adapt a home for independent living. For veterans who are bli...
Federal HOME funds administered by TDHCA for homeowner rehabilitation. Provides grants or forgivable loans for comprehen...
HUD-funded program to reduce lead-based paint hazards in homes built before 1978 with children under age 6. Services inc...
Texas law provides an additional $10,000 homestead exemption for homeowners age 65 or older, reducing property tax burde...
Texas law provides an additional $10,000 homestead exemption for homeowners who are disabled as defined by Social Securi...
Texas disabled veterans with 10% or higher service-connected disability rating receive property tax exemptions ranging f...
Hidalgo County program providing minor home repairs for low-income seniors age 60 and older. Covers emergency and safety...
LIHEAP-funded utility bill payment assistance for low-income households in Mercedes facing energy emergencies or high su...
CDBG-DR funds administered by Texas GLO for homeowners affected by federally declared disasters. Past programs covered H...
Low-cost air conditioning tune-up by licensed contractor to improve efficiency and reduce summer cooling costs. Includes...
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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21 programs are currently listed for Mercedes, 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 Mercedes, 16 programs do not require repayment, 1 is forgivable loan, and 2 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.