Find grants, rebates, forgivable loans, and free programs for Ridgewood, NJ, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Ridgewood, NJ, with individual awards up to $126,526. 5 programs target seniors, 2 serve veterans, and 14 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 7 | 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...
Federal and state-funded program providing free weatherization services to income-eligible households. Services include ...
Rebate for homeowners who install ENERGY STAR certified heat pump water heaters. Incentive amount varies by tank size an...
Comprehensive whole-home energy efficiency program providing rebates for air sealing, insulation, HVAC, and other improv...
Rebates for PSE&G customers who install high-efficiency central air conditioners, heat pumps, or furnaces. Equipment mus...
New Jersey's solar incentive program providing payments for energy generated by qualifying rooftop solar systems. Incent...
HUD-funded program providing grants to abate lead-based paint hazards in pre-1978 homes with income-eligible families an...
Property tax credit for owners of income-producing historic properties who complete certified rehabilitation projects. C...
Zero-interest deferred loan for Bergen County senior homeowners (62+) to make essential home repairs. Loan is deferred w...
Low-interest home improvement loan for New Jersey homeowners to finance major repairs and renovations. Loan term up to 2...
Low-interest loans and grants for very low-income homeowners in eligible rural areas to remove health and safety hazards...
Grant for eligible veterans with certain service-connected disabilities to build, buy, or modify a home to meet disabili...
Grant for eligible veterans with certain service-connected disabilities to adapt a home for independent living. Availabl...
New Jersey's Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) program provides property tax relief ...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Applic...
Grant program for Bergen County residents with disabilities to modify their homes for improved accessibility. Covers ram...
Rebate for PSE&G customers who purchase and install qualifying smart thermostats. Devices must be Wi-Fi enabled and ENER...
Rebate for residential installation of Level 2 electric vehicle charging stations. Covers equipment purchase and install...
Rebates for adding insulation and air sealing to improve home energy efficiency. Must be installed through Home Performa...
Free comprehensive energy efficiency upgrades for income-eligible households including insulation, air sealing, efficien...
Reimbursement program for Ridgewood homeowners replacing damaged private sewer lateral lines from home to main sewer. Vi...
Rebate for PSE&G customers who recycle old working refrigerators, freezers, and room air conditioners. Includes free pic...
Enables low- and moderate-income households to subscribe to community solar projects without installing rooftop panels. ...
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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26 programs are currently listed for Ridgewood, 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 Ridgewood, 16 programs do not require repayment, 1 is forgivable loan, and 7 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.