Find grants, rebates, forgivable loans, and free programs for Madison, NJ, filtered to your situation.
As of June 2026, 29 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Madison, NJ, with individual awards up to $126,526. 4 programs target seniors, 3 serve veterans, and 14 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 20 | 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...
Federally-funded weatherization program providing free energy efficiency upgrades to income-qualified households. Servic...
Provides grants to low- and moderate-income homeowners for essential home repairs including roofing, heating systems, pl...
Community Development Block Grant program providing forgivable loans for major home repairs to low-income homeowners in ...
HUD-funded program providing free lead hazard evaluation and remediation for homes built before 1978 with children under...
Rebates for qualifying air-source and ground-source heat pumps, central air conditioning, and ductless mini-split system...
Comprehensive whole-home energy efficiency program with rebates for insulation, air sealing, duct sealing, water heaters...
JCP&L electric customers can receive rebates on ENERGY STAR appliances, heat pump water heaters, smart thermostats, and ...
Solar panel owners earn Transition Renewable Energy Certificates (TRECs) for electricity generated, providing ongoing in...
Low- and moderate-income households can subscribe to community solar projects without installing panels. Subscribers rec...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Must b...
Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) provides property tax relief to homeowners and ren...
Low-interest loan program for repair or replacement of failed septic systems in Morris County. Loans available at below-...
USDA program providing loans up to $40,000 and grants up to $10,000 for very-low-income homeowners to repair, improve, o...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their disa...
Grant for veterans with certain service-connected disabilities to adapt a family member's home in which they reside. Cov...
Matching grants for preservation, restoration, and rehabilitation of historic properties listed on the National or State...
Provides grants to Morris County residents with disabilities for home accessibility modifications including wheelchair r...
Low-Income Home Energy Assistance Program provides financial assistance to help pay heating costs for income-qualified h...
Provides monthly electric and gas bill credits to income-qualified New Jersey residents. Credit amounts vary by income l...
Provides affordable monthly natural gas payment plans for income-qualified customers. Includes budget billing, arrearage...
Annual $250 property tax deduction for Madison residents age 65 or older as of December 31 of the tax year. Must be owne...
100% property tax exemption for qualifying disabled veterans rated 100% permanently disabled by the VA. Also available t...
FHA-insured mortgage that includes funds for home purchase and rehabilitation in a single loan. Allows buyers to finance...
HUD HOME-funded program providing forgivable loans for major home repairs to low-income homeowners. Loan forgiven after ...
Matching grants for tree planting and stewardship activities on private property. Supports urban and community forestry ...
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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29 programs are currently listed for Madison, 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 Madison, 20 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.