Find grants, rebates, forgivable loans, and free programs for Garfield, NJ, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Garfield, NJ, with individual awards up to $126,526. 8 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 | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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...
Federal and state-funded weatherization program providing energy-efficiency improvements at no cost to income-eligible h...
Interest-free home repair loans for income-qualified homeowners to address critical health and safety issues. Loans have...
State-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under age 6 reside....
Rebates for PSE&G electric customers who install qualifying energy-efficient equipment including heat pumps, insulation,...
Rebates for PSE&G gas customers who install high-efficiency gas furnaces, boilers, or water heaters. Higher rebates avai...
State incentive program for residential solar installations, providing upfront rebates and Solar Renewable Energy Credit...
Forgivable loans for major home repairs for income-eligible owner-occupants in Garfield. Loan is forgiven after 5 years ...
Grants for accessibility modifications for disabled or elderly Garfield residents. Covers wheelchair ramps, bathroom mod...
Emergency and essential repair grants for Garfield homeowners age 62 and older with limited income. Covers repairs that ...
Low-interest loans for Bergen County homeowners needing septic system repairs or replacements. Available for failing sys...
Federal loans and grants for very low-income homeowners in eligible areas to repair, improve, or modernize their homes. ...
Grants for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. SAH gran...
Federal HOME funds administered by New Jersey for comprehensive housing rehabilitation for low-income homeowners. Funds ...
Free home energy improvements for income-qualified households including insulation, air sealing, heating system repair/r...
Enhanced rebates for PSE&G customers installing cold-climate heat pumps. Rebate amounts increase for higher-efficiency s...
New Jersey property tax relief program providing direct credits to homeowners and renters. Benefit amount depends on inc...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Freeze...
Free weatherization services for income-eligible Bergen County residents including attic and wall insulation, air sealin...
State-funded forgivable loans for comprehensive home rehabilitation for low- and moderate-income homeowners. Loans forgi...
Low Income Home Energy Assistance Program provides grants to help pay heating bills for income-eligible households. Prio...
Monthly electric and/or gas bill credits for income-eligible New Jersey residents. Credits applied directly to utility b...
Grants for veterans with certain service-connected disabilities to adapt a home for independent living. Covers modificat...
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 Garfield, 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 Garfield, 16 programs do not require repayment, 3 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.