Find grants, rebates, forgivable loans, and free programs for Lakewood, NJ, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Lakewood, NJ, with individual awards up to $126,526. 6 programs target seniors, 4 serve veterans, and 14 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 | 3 | 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 grants to income-eligible New Jersey homeowners to make critical home repairs that address health and safety co...
Federally-funded program providing free weatherization services to low-income households in New Jersey. Services include...
Provides grants to eliminate lead-based paint hazards in homes built before 1978 where children under 6 reside or visit ...
Provides forgivable loans for home repairs to low- and moderate-income homeowners in Ocean County. Loan is forgiven afte...
Provides a $250 annual property tax deduction for Lakewood residents age 65 or older who have been residents of New Jers...
Provides full property tax exemption for 100% permanently disabled veterans or their surviving spouses. Must file initia...
Offers rebates and incentives for electric energy efficiency upgrades including heat pumps, insulation, air sealing, and...
Provides rebates for installation of whole-home air-source or ground-source heat pumps that replace fossil fuel heating ...
New Jersey homeowners installing solar panels earn Solar Renewable Energy Certificates (SRECs) for power generated, whic...
Federally-funded HOME program providing forgivable loans for substantial rehabilitation of owner-occupied homes. Address...
Grants up to $10,000 for very low-income homeowners age 62+ to remove health and safety hazards. Available in eligible r...
Grants for veterans with certain service-connected disabilities to purchase, construct, or modify a home to accommodate ...
Grants for veterans with certain service-connected disabilities to adapt a home to meet accessibility needs. Eligible fo...
New Jersey's ANCHOR (Affordable New Jersey Communities for Homeowners and Renters) program provides property tax relief ...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Must b...
Provides emergency utility assistance grants to help pay heating and electric bills for households facing financial hard...
Federally-funded program providing heating assistance to low-income households. Benefits are sent directly to utility co...
Provides monthly discounts on electric and natural gas bills for income-qualified New Jersey households. Discount percen...
Comprehensive energy efficiency program for income-qualified households served by gas and electric utilities. Provides f...
Provides low-interest loans to Lakewood property owners for repair or replacement of private water and sewer laterals. L...
Provides grants to modify homes for accessibility for Ocean County residents with disabilities. Covers ramps, widened do...
Provides matching grants for restoration and preservation of properties listed on or eligible for the State or National ...
Provides emergency grants to low-income Lakewood homeowners facing urgent health and safety issues such as failed heatin...
Provides low-interest loans to Ocean County homeowners for repair or replacement of failing septic systems. Available to...
Provides down payment and closing cost assistance for eligible heroes including military veterans, first responders, hea...
Provides down payment and closing cost assistance to first-time homebuyers in New Jersey. Features competitive fixed-rat...
Provides free HUD-certified homebuyer education courses and one-on-one counseling to prospective homebuyers and current ...
Provides rebates for installation of high-efficiency heating and cooling equipment including furnaces, boilers, central ...
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.
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32 programs are currently listed for Lakewood, 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 Lakewood, 22 programs do not require repayment, 3 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.