Find grants, rebates, forgivable loans, and free programs for Passaic, NJ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Passaic, NJ, with individual awards up to $150,000. 5 programs target seniors, 2 serve veterans, and 12 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 | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | Refunded to you after purchase | Energy-efficiency upgrades |
Not sure which program fits? Email us what you need. It is free, and a real person answers.
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 free weatherization services to low-income households in Passaic County. Services include insulation, air seali...
CDBG-funded forgivable loan program for owner-occupants in Passaic with income at or below 80% AMI. Covers major home re...
Emergency grant for urgent health and safety repairs in owner-occupied homes in Passaic. Priority given to seniors and p...
Low-interest home improvement loans for income-eligible New Jersey homeowners. Funds can be used for repairs, improvemen...
Free lead-based paint hazard reduction services for pre-1978 homes in New Jersey with children under 6 years old. Priori...
Rebates for PSEG electric and gas customers who install energy-efficient equipment including furnaces, water heaters, in...
Enhanced rebates for PSEG customers who install electric heat pumps for heating and cooling. Incentives cover both air-s...
Solar homeowners in New Jersey earn tradable Solar Renewable Energy Certificates (SRECs) for every megawatt-hour of sola...
New Jersey exempts solar energy systems from the state's 6.625% sales tax, reducing upfront installation costs. Applies ...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas to repair, improve, or modernize th...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their dis...
Grants for veterans with certain service-connected disabilities to adapt a home for independent living. Covers bathroom ...
Grant program for Passaic residents with disabilities to make ADA-compliant modifications to owner-occupied homes. Cover...
Grant program for senior homeowners (62+) in Passaic to address minor but critical home repairs. Priority for low-income...
Cost-share program for Passaic homeowners to replace aging water service lines from the main to the home. City covers 50...
HUD HOME funds administered by Passaic County for owner-occupied home rehabilitation. Provides grants to low-income home...
Matching grants for restoration and preservation of historic properties listed on state or national registers. Funds can...
Emergency home repair grants for families involved with child welfare system to address housing conditions that threaten...
Comprehensive no-cost energy efficiency services for income-qualified PSEG customers. Includes free weatherization, insu...
Rebates for New Jersey homeowners who install high-efficiency heating and cooling equipment. Covers central air conditio...
CDBG-DR program providing grants to New Jersey homeowners affected by federally-declared disasters. Funds cover home rec...
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.
These contractors specialize in grant-funded projects and understand the documentation requirements.
No contractors listed yet, be the first in this market.
Tell us about your project. We'll connect you with contractors in your city who've completed grant-funded work and know the program documentation.
We'll email you when new programs open, deadlines approach, or funding runs low.
25 programs are currently listed for Passaic, 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 Passaic, 19 programs do not require repayment, 1 is forgivable loan, 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.