Find grants, rebates, forgivable loans, and free programs for Elizabeth, NJ, filtered to your situation.
As of June 2026, 31 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Elizabeth, NJ, with individual awards up to $150,000. 8 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 22 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | Refunded to you after purchase | Energy-efficiency upgrades |
Not sure which program fits? Email us what you need. It is free, and a real person answers.
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 program that reduces energy costs by improving home energy efficiency for income-qualified households. ...
State-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under 6 reside or s...
CDBG-funded program providing forgivable loans for major home repairs to low- and moderate-income owner-occupants in Eli...
Provides emergency repair grants for urgent health and safety hazards in owner-occupied homes. Covers immediate threats ...
Provides grants for accessibility modifications to enable elderly or disabled residents to remain safely in their homes....
Utility program offering rebates and incentives for energy efficiency improvements including insulation, air sealing, HV...
Rebate program for installation of qualifying air-source or ground-source heat pumps to replace existing heating and coo...
Low-interest loan program for residential solar panel installations, with on-bill repayment option. Combined with NJ Sol...
Federal pandemic recovery program providing assistance with past-due mortgage payments, property taxes, homeowners insur...
Federal HOME Investment Partnerships Program funds administered by the state for major rehabilitation of owner-occupied ...
Federal program providing grants (for seniors 62+) and low-interest loans to very low-income homeowners to repair, impro...
Grant for veterans with certain service-connected disabilities to help purchase, construct, or modify a home to accommod...
Grant for veterans with certain service-connected disabilities (such as blindness or loss of use of hands) to adapt a ho...
Provides partial reimbursement for repair or replacement of private sewer lateral lines from home to the city main conne...
Systematic replacement of lead service lines throughout Elizabeth at no cost to property owners. The city and water comp...
County program providing minor home repair assistance to seniors 60+ to help them age in place safely. Covers small repa...
Federal disaster recovery program for homes damaged by Superstorm Sandy and other qualifying storms. Provided grants for...
New Jersey's Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) program provides property tax relief ...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Once e...
Free energy efficiency upgrades for income-qualified PSE&G customers, including LED bulbs, refrigerator replacement, hea...
Provides rebates for purchase and installation of Level 2 electric vehicle charging equipment at residential properties....
Provides performance-based incentives for residential solar installations through Solar Renewable Energy Certificates (S...
County CDBG program providing emergency repair grants for owner-occupied homes throughout Union County, including Elizab...
Low-interest loan program for home improvements, repairs, and energy efficiency upgrades. Available through participatin...
Free smoke detectors and carbon monoxide detectors provided and installed by the Elizabeth Fire Department. Priority giv...
State-administered CDBG program for municipalities that provides funding for owner-occupied home rehabilitation. Elizabe...
Universal Service Fund (USF) and federal Low Income Home Energy Assistance Program (LIHEAP) help income-qualified househ...
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.
These contractors specialize in grant-funded projects and understand the documentation requirements.
No contractors listed yet, be the first in this market.
Tell us about your project. We'll connect you with contractors in your city who've completed grant-funded work and know the program documentation.
We'll email you when new programs open, deadlines approach, or funding runs low.
31 programs are currently listed for Elizabeth, 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 Elizabeth, 22 programs do not require repayment, 2 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.