Find grants, rebates, forgivable loans, and free programs for Jersey City, NJ, filtered to your situation.
As of June 2026, 38 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Jersey City, NJ, with individual awards up to $150,000. 10 programs target seniors, 5 serve veterans, and 19 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 28 | 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...
Federally funded weatherization program that provides free energy efficiency improvements to income-eligible households....
Provides down payment and closing cost assistance for first-time homebuyers in New Jersey through participating lenders....
Provides forgivable loans for major home rehabilitation to low- and moderate-income homeowners in Jersey City. Loan is f...
Provides emergency home repair grants for urgent health and safety issues affecting very low-income homeowners. Priority...
Provides grants to modify homes for accessibility for disabled residents or seniors aging in place. Covers ramps, widene...
HUD-funded program providing free lead hazard evaluation and removal for homes built before 1978 with children under age...
Provides minor home repair grants to Jersey City senior homeowners age 62+ with limited incomes. Covers safety-related r...
PSE&G's comprehensive energy efficiency program offers rebates for insulation, air sealing, HVAC upgrades, and energy-ef...
Rebates for installing high-efficiency air-source or geothermal heat pumps. Incentives vary based on system efficiency a...
Provides low-interest financing for residential solar installations with battery storage options. PSE&G customers can al...
Provides free comprehensive energy efficiency improvements to income-qualified households. Services include insulation, ...
Matching grants for restoration and preservation of historic properties listed on or eligible for the National and/or St...
Provides low-interest loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or mode...
Provides grants to veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. ...
Grants for veterans with certain service-connected disabilities to adapt a home for accessibility. For veterans with bli...
HUD HOME-funded program providing forgivable loans for substantial rehabilitation of owner-occupied homes. Loan is forgi...
Provides reimbursement for qualified sewer lateral repairs on private property. Homeowners must obtain permits and use l...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Income...
Provides direct property tax relief to New Jersey homeowners and renters meeting income requirements. Homeowners can rec...
Property Assessed Clean Energy (PACE) financing for energy efficiency and renewable energy improvements. Loan is repaid ...
Provides incentives for residential battery energy storage systems paired with solar installations or standalone. Perfor...
Allows residents to subscribe to off-site solar farms and receive credits on electric bills without installing panels. L...
Provides rebates for purchase and installation of Level 2 electric vehicle charging equipment at single-family homes. Ad...
FHA-insured mortgage that combines home purchase and rehabilitation costs into a single loan. Allows buyers to finance b...
Provides forgivable loans to very low- and low-income homeowners for substantial rehabilitation. Administered through pa...
County-administered weatherization program providing free energy efficiency improvements to income-eligible households. ...
Provides monthly credits on electric and/or natural gas bills for income-eligible households. Credit amount varies by ut...
Provides $250 annual property tax deduction for honorably discharged veterans who are New Jersey residents with service-...
Provides complete property tax exemption for 100% permanently disabled veterans or their surviving spouses/civil union p...
Provides heating assistance to income-eligible households during the heating season. Benefits paid directly to utility c...
Provides matching grants for facade and exterior improvements to properties in designated Urban Enterprise Zones. Availa...
Volunteer-based organization providing free critical home repairs to low-income homeowners, with priority for seniors, v...
CDBG-DR funded programs for homeowners impacted by Hurricane Sandy. Included reconstruction grants, elevation assistance...
Provides state tax credit equal to 20% of qualified rehabilitation expenses for income-producing historic properties. Ca...
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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38 programs are currently listed for Jersey 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 Jersey City, 28 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.