Find grants, rebates, forgivable loans, and free programs for Atlantic City, NJ, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Atlantic City, NJ, with individual awards up to $150,000. 6 programs target seniors, 2 serve veterans, and 8 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | 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 |
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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 up to $30,000 for major home repairs to income-qualified owner-occupied homes in Atlantic City...
Emergency repair grants for immediate health and safety hazards in owner-occupied homes. Income at or below 50% AMI requ...
HUD-funded lead hazard control program for pre-1978 homes in Atlantic City with children under age 6. Program provides f...
Grants for accessibility modifications to owner-occupied homes for residents with mobility impairments or seniors. Cover...
Assistance for replacement of failing private sewer lateral lines from home to the main sewer connection. Program provid...
Federally-funded weatherization services for income-qualified New Jersey households. Provides energy audits and comprehe...
State-funded lead hazard control program for pre-1978 homes and rental properties in New Jersey. Provides free lead insp...
Down payment and closing cost assistance for first-time homebuyers in New Jersey. Offers low-interest mortgages combined...
Rebates for home energy efficiency improvements for Atlantic City Electric customers. Includes incentives for insulation...
Rebates for installation of energy-efficient air-source and geothermal heat pumps in New Jersey homes. Rebate amounts va...
Incentive program for residential solar installations in New Jersey. Homeowners receive Solar Renewable Energy Certifica...
Property tax reimbursement program for New Jersey residents age 65+ or receiving Social Security disability. Reimburses ...
Minor home repair assistance for Atlantic County seniors age 60+. Provides grants up to $3,000 for essential repairs to ...
VA grant for veterans with certain service-connected disabilities to construct or modify a home for wheelchair accessibi...
VA grant for veterans with certain service-connected disabilities to adapt a home for independent living. Eligible veter...
USDA program providing grants up to $10,000 and/or loans up to $40,000 to very-low-income homeowners in eligible rural a...
Hurricane Sandy disaster recovery program for unmet needs from the 2012 storm. Provided reconstruction, rehabilitation, ...
Federal HOME funds administered by Atlantic City for owner-occupied rehabilitation. Provides forgivable loans for compre...
Free comprehensive weatherization services for low-income Atlantic City Electric customers. Includes energy audit, insul...
Rebates for energy-efficient natural gas heating equipment for South Jersey Gas customers. Includes rebates for high-eff...
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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24 programs are currently listed for Atlantic 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 Atlantic City, 18 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.