Find grants, rebates, forgivable loans, and free programs for Lodi, NJ, filtered to your situation.
As of June 2026, 22 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Lodi, NJ, with individual awards up to $126,526. 4 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 | 15 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Federally-funded program that provides free weatherization improvements to income-eligible households in Lodi and across...
CDBG-funded program providing forgivable loans for major home repairs to owner-occupied properties in Lodi. Loan is forg...
Provides grants to homeowners age 62+ to improve home safety and accessibility. Covers modifications like grab bars, ram...
Provides enhanced rebates for installation of air-source heat pumps and ductless mini-split systems in New Jersey homes....
Homeowners who install solar panels in Lodi earn Solar Renewable Energy Certificates (SRECs) for the electricity their s...
Low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize the...
Grants for veterans with certain service-connected disabilities to adapt or purchase a home to meet disability needs. El...
Grants for veterans with certain service-connected disabilities to make adaptations to a family member's home where they...
Bergen County administers federal weatherization funds for Lodi and other county residents. Free energy audits and weath...
Provides emergency home repair grants for owner-occupied households in Lodi facing immediate health and safety hazards. ...
CDBG-funded grants for accessibility modifications to owner-occupied homes in Lodi where a household member has a disabi...
Low-interest loan program to assist Lodi homeowners with repair or replacement of private sewer laterals connecting thei...
HUD-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under 6 reside. Prior...
HUD HOME funds provide down payment and closing cost assistance to first-time homebuyers purchasing in Lodi and other el...
Reimburses eligible senior and disabled homeowners in Lodi for property tax increases on their principal residence. Free...
Annual property tax relief rebate for New Jersey homeowners and renters. Homeowners in Lodi with income under $250,000 c...
Property owners of homes on the NJ or National Register of Historic Places in Lodi can receive a property tax exemption ...
Provides rebates for installation of Level 2 electric vehicle charging equipment at Lodi residences. Standard rebate is ...
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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22 programs are currently listed for Lodi, 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 Lodi, 15 programs do not require repayment, 2 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.