Find grants, rebates, forgivable loans, and free programs for Carteret, NJ, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Carteret, NJ, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 10 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 | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 5 | 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...
CDBG-funded forgivable loan program for major home repairs and rehabilitation in Carteret. Loan is forgiven after 5 year...
Grant program for emergency repairs addressing immediate health and safety hazards in owner-occupied homes. Covers criti...
Grant program to make accessibility modifications for disabled and senior residents in owner-occupied homes. Modificatio...
Grant program specifically for homeowners aged 62 and older to make essential home repairs. Designed to help seniors age...
NJHMFA's Step Up To End Poverty (STEP) program provides down payment and closing cost assistance to first-time homebuyer...
Federally funded weatherization program providing free energy-efficiency improvements to low-income households. Services...
HUD-funded program to identify and remediate lead-based paint hazards in pre-1978 homes with children under age 6 or pre...
Low-interest loan program for homeowners to make necessary repairs and improvements. Available to moderate-income homeow...
Rebate program for installation of qualifying air-source and ground-source heat pumps. Incentives available to all New J...
Whole-home energy efficiency program offering rebates for comprehensive improvements including insulation, air sealing, ...
Successor Solar Incentive (SuSI) program providing performance-based incentives for residential solar installations. Hom...
Instant rebate on qualifying ENERGY STAR certified smart thermostats. Reduces energy costs by optimizing heating and coo...
PSE&G customers in Carteret can receive rebates and incentives for energy-efficient upgrades including insulation, air s...
Rebates for energy-efficient appliances including water heaters, heat pump water heaters, and other qualified equipment....
Low-interest loans and grants for very low-income homeowners to repair, improve, or modernize homes in eligible rural ar...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disabili...
Grant for veterans with certain service-connected disabilities to make accessibility adaptations to their home. For vete...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Must b...
Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) provides direct property tax relief for homeowners...
Down payment assistance for first-time homebuyers purchasing in New Jersey including Carteret. Assistance provided as a ...
Grant program for accessibility modifications including ramps, grab bars, stairlifts, and bathroom modifications for dis...
Low-interest loan program to assist Carteret homeowners with repair or replacement of private sewer laterals. Helps prop...
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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26 programs are currently listed for Carteret, 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 Carteret, 16 programs do not require repayment, 2 are forgivable loans, and 5 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.