Find grants, rebates, forgivable loans, and free programs for Paterson, NJ, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Paterson, NJ, with individual awards up to $126,526. 8 programs target seniors, 3 serve veterans, and 11 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 24 | 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 program providing free weatherization improvements to income-qualified households in Paterson. Services...
Provides interest-free loans for emergency home repairs to New Jersey homeowners with household income up to 80% AMI. Co...
CDBG-funded forgivable loan for major home repairs in Paterson for income-qualified homeowners. Loan is forgiven after 5...
Grant program for Paterson senior homeowners age 65+ to address emergency home repairs. Covers critical health and safet...
CDBG-funded program providing accessibility modifications for Paterson homeowners with disabilities. Covers ramps, widen...
Provides grant assistance to low-income Paterson homeowners for sewer lateral repairs and replacements. Covers the priva...
PSE&G rebates for installation of qualifying heat pump systems in Paterson homes. Incentives vary based on heat pump typ...
Rebates for high-efficiency furnaces, boilers, and water heaters installed in Paterson homes served by PSE&G. Equipment ...
Free home energy assessment for PSE&G customers in Paterson with immediate installation of energy-saving measures like L...
New Jersey homeowners in Paterson who install solar panels earn Solar Renewable Energy Credits for electricity generated...
New Jersey exempts solar panel systems from the 6.625% state sales tax, providing immediate savings at purchase. Paterso...
State-funded program to remove lead-based paint hazards from homes built before 1978 in Paterson. Priority given to fami...
USDA loans and grants for very low-income homeowners in eligible rural areas near Paterson to repair, improve, or modern...
Grants for Paterson veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home....
Grants for Paterson veterans with certain service-connected disabilities to adapt a home for independent living. Smaller...
Federal HOME funds administered by Passaic County for major home repairs and rehabilitation in Paterson and other county...
New Jersey property tax relief benefit for Paterson homeowners and renters meeting income requirements. Homeowners can r...
Reimburses eligible Paterson senior or disabled homeowners for property tax increases on their principal residence. Once...
New Jersey veterans with 100% permanent and total service-connected disability are fully exempt from property taxes on t...
Grant assistance for low-income Paterson homeowners to repair or replace the private portion of water service lines from...
Matching grants for owners of historic properties in Paterson's designated historic districts. Supports exterior restora...
Free comprehensive energy efficiency improvements for income-qualified Paterson households. Includes insulation, air sea...
Emergency grant for very low-income Paterson homeowners facing furnace or boiler failure during heating season. Priority...
Emergency grant for Paterson homeowners facing immediate roof failure or active leaks threatening health and safety. Cov...
Forgivable loan for low-income Paterson homeowners to correct municipal code violations. Helps homeowners avoid fines an...
Grant for low-income Paterson homeowners to install fire safety equipment and address fire hazards. Covers smoke detecto...
Free home health and safety interventions for Paterson families with children who have asthma. Addresses asthma triggers...
Helps low-income New Jersey households pay heating bills through the Universal Service Fund and provides emergency energ...
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.
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32 programs are currently listed for Paterson, 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 Paterson, 24 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.