Find grants, rebates, forgivable loans, and free programs for Oakland, NJ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Oakland, NJ, with individual awards up to $250,000. 5 programs target seniors, 2 serve veterans, and 15 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 14 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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 comprehensive weatherization services to income-eligible households in New Jersey, including insulation, air se...
Provides free lead hazard evaluation and remediation for homes built before 1978 with children under age 6. Services inc...
Provides low-interest loans and forgivable loans for home repairs to income-eligible homeowners throughout New Jersey. C...
PSE&G offers home energy audits for $75 and provides rebates and direct install measures for insulation, air sealing, HV...
Provides rebates for installation of energy-efficient air-source and ground-source heat pumps. Rebate amounts vary by sy...
New Jersey's Solar Renewable Energy Certificate (SREC) program and upfront incentives help offset the cost of residentia...
Provides loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their h...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Co...
Helps veterans with certain service-connected disabilities adapt a home to meet their needs. Covers adaptations such as ...
Provides home repair grants to low-income seniors age 62 and older in Bergen County to address health, safety, and acces...
Provides low-interest loans and grants to help homeowners repair or replace failing septic systems. Priority given to sy...
Provides low-interest loans to repair or replace private wells and install water treatment systems. Available to homeown...
Provides a state income tax credit for costs incurred to make a New Jersey home accessible for a person with a disabilit...
Provides deferred-payment loans to low- and moderate-income homeowners for major home repairs and improvements. Loan is ...
Rebate for purchase and installation of qualifying smart or programmable thermostats. Smart thermostats can reduce heati...
Activated following federally declared disasters to help homeowners repair or rebuild damaged homes. Covers unmet needs ...
Instant rebates on qualifying LED bulbs and fixtures at participating retailers. LEDs use up to 90% less energy than inc...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Must m...
Offers rebates and free pickup for recycling old, inefficient refrigerators, freezers, and window air conditioners. Remo...
Provides flood insurance to homeowners, renters, and businesses in participating communities. Oakland participates in NF...
Offers rebates for high-efficiency natural gas or electric water heaters, heat pump water heaters, and tankless water he...
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 Oakland, 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 Oakland, 14 programs do not require repayment, 2 are forgivable loans, and 6 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.