Find grants, rebates, forgivable loans, and free programs for Phillipsburg, NJ, filtered to your situation.
As of June 2026, 27 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Phillipsburg, 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 | 4 | 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 services to income-qualified households in New Jersey. Services i...
Low-interest home improvement loans for New Jersey homeowners to finance necessary repairs and improvements. Loans featu...
State-funded program providing free lead-based paint hazard identification and remediation for income-qualified househol...
Federal program providing low-interest loans and grants to very-low-income homeowners in rural areas to repair, improve,...
Grants for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their accessibil...
Grants for veterans with specific service-connected disabilities to adapt a home to meet accessibility needs. For vetera...
Rebates for JCP&L residential customers who install qualifying air-source or ground-source heat pumps. Incentives range ...
Rebates for New Jersey homeowners who install high-efficiency heating and cooling equipment, including central air condi...
New Jersey homeowners who install solar panels can earn Solar Renewable Energy Certificates (SRECs) for every megawatt-h...
Comprehensive home energy audit and rebates for approved improvements including insulation, air sealing, and duct sealin...
Rebates for New Jersey homeowners who install ENERGY STAR certified electric or natural gas water heaters. Includes heat...
Grant program for low-income senior homeowners age 62 and older in Warren County to make critical home repairs. Covers e...
Financial assistance for Phillipsburg homeowners to repair or replace failing private sewer laterals from the home to th...
CDBG-funded grants for low-income Phillipsburg homeowners with disabilities to make accessibility modifications. Covers ...
Emergency repair grants for very low-income homeowners in Phillipsburg facing immediate health and safety hazards. Cover...
Forgivable loan program for low-income Phillipsburg homeowners to make major repairs and improvements to owner-occupied ...
Down payment and closing cost assistance for first-time homebuyers in Warren County. Provided as a forgivable loan that ...
Property tax exemption for owners of historic properties in New Jersey who make qualified rehabilitation improvements. A...
Federal Low Income Home Energy Assistance Program providing heating bill assistance to income-qualified New Jersey house...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Applic...
Affordable New Jersey Communities for Homeowners and Renters program providing direct property tax relief. Homeowners ca...
Free home energy efficiency improvements for income-qualified households served by NJ natural gas and electric utilities...
Federal HOME funds administered by Warren County for affordable housing activities including homebuyer assistance, owner...
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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27 programs are currently listed for Phillipsburg, 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 Phillipsburg, 19 programs do not require repayment, 2 are forgivable loans, and 4 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.