Semantic and panoptic occupancy prediction for road scene analysis provides a dense 3D representation of the ego vehicle's surroundings. Current camera-only approaches typically rely on costly dense 3D supervision or require training models on data from the target domain, limiting deployment in unseen environments. We propose FreeOcc, a training-free pipeline that leverages pretrained foundation models to recover both semantics and geometry from multi-view images. FreeOcc extracts per-view panoptic priors with a promptable foundation segmentation model and prompt-to-taxonomy rules, and reconstructs metric 3D points with a reconstruction foundation model. Depth- and confidence- aware filtering lifts reliable labels into 3D, which are fused over time and voxelized with a deterministic refinement stack. For panoptic occupancy, instances are recovered by fitting and merging robust current-view 3D box candidates, enabling instance-aware occupancy without any learned 3D model. On Occ3D-nuScenes, FreeOcc achieves 16.9 mIoU and 16.5 RayIoU train-free, on par with state-of-the-art weakly supervised methods. When employed as a pseudo-label generation pipeline for training downstream models, it achieves 21.1 RayIoU, surpassing the previous state-of-the-art weakly supervised baseline. Furthermore, FreeOcc sets new baselines for both train-free and weakly supervised panoptic occupancy prediction, achieving 3.1 RayPQ and 3.9 RayPQ, respectively. These results highlight foundation-model-driven perception as a practical route to training-free 3D scene understanding.