Find grants, rebates, forgivable loans, and free programs for Montclair, NJ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Montclair, NJ, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 10 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 2 | 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...
CDBG-funded forgivable loan for major home repairs and rehabilitation for Montclair owner-occupied households with incom...
Provides accessibility modifications for owner-occupied homes in Montclair where a household member has a documented dis...
Grant program for critical home repairs for Montclair homeowners age 62 or older with income at or below 80% AMI. Covers...
HUD-funded program to identify and remediate lead-based paint hazards in Montclair homes built before 1978 where childre...
Grant assistance for repair or replacement of private sewer lateral lines connecting Montclair homes to the municipal se...
Matching grant for exterior restoration and preservation work on contributing properties within Montclair's historic dis...
Federally-funded weatherization program administered by Essex County to reduce energy costs for income-qualified househo...
New Jersey's state weatherization program provides free energy efficiency improvements to income-qualified households, i...
Low-interest loan program for New Jersey homeowners age 62 and older to make necessary home improvements, repairs, and a...
PSE&G's energy efficiency rebate program for residential customers installing qualifying high-efficiency equipment inclu...
Rebate program for PSE&G customers installing qualifying air-source or ground-source heat pumps in Montclair homes. Enha...
New Jersey's SREC program allows homeowners with solar installations to earn tradeable credits for each megawatt-hour of...
New Jersey exempts solar energy equipment and installation from state sales tax (6.625%), reducing upfront costs for res...
Federal tax credit covering 30% of the total cost of residential solar panel installation, including equipment, labor, a...
VA grant for veterans with certain service-connected disabilities to adapt a home for independent living. Covers structu...
VA grant for veterans with certain service-connected disabilities to make necessary adaptations to a home. Covers modifi...
Federal program providing loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or ...
New Jersey state program providing grants for home modifications that enable seniors to age in place safely. Covers acce...
State-funded program to identify and remove lead paint hazards from New Jersey homes built before 1978 where young child...
Federal HOME funds administered by Essex County for comprehensive home rehabilitation for low-income homeowners. Covers ...
Free comprehensive energy efficiency services for income-qualified PSE&G customers including insulation, air sealing, wa...
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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25 programs are currently listed for Montclair, 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 Montclair, 19 programs do not require repayment, 2 are forgivable loans, and 2 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.