Find grants, rebates, forgivable loans, and free programs for Rutherford, NJ, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Rutherford, NJ, with individual awards up to $126,526. 4 programs target seniors, 4 serve veterans, and 13 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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 including insulation, air sealing, heating system repairs, and health and safety i...
Low-interest home improvement loans for New Jersey homeowners to make necessary repairs and improvements. Loans feature ...
Provides free lead-based paint hazard inspection, risk assessment, and abatement services for eligible homes built befor...
Bergen County provides HOME funds for major rehabilitation of owner-occupied homes for low- and moderate-income househol...
PSE&G customers can receive rebates and incentives for comprehensive home energy efficiency improvements including insul...
Rebates for installation of high-efficiency air source or ground source heat pumps to replace electric resistance heatin...
Homeowners who install solar panels can earn Solar Renewable Energy Certificates for every megawatt-hour of solar electr...
New Jersey exempts solar energy systems from state sales tax, reducing the upfront cost of solar installation by 6.625%....
Very-low-interest loans up to $27,500 and grants up to $10,000 for seniors age 62+ to repair, improve, or modernize home...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. El...
Helps veterans with certain service-connected disabilities adapt a family member's home in which they will reside. Eligi...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Income...
ANCHOR provides property tax relief to New Jersey homeowners and tenants. Homeowners with income up to $150,000 for seni...
Rebates for PSE&G gas customers who install high-efficiency natural gas water heaters or tankless water heaters. Rebate ...
Provides free comprehensive home energy improvements for low-income households including insulation, air sealing, heatin...
Low-Income Home Energy Assistance Program helps eligible households pay heating bills during winter months. Also provide...
Property tax deduction or credit for New Jersey homeowners. Seniors and disabled persons age 65+ or receiving Social Sec...
100% property tax exemption for honorably discharged veterans who are totally and permanently disabled due to wartime se...
$250 annual property tax deduction for honorably discharged veterans of any war period who are New Jersey residents. Sur...
Matching grants up to $2,500 for exterior restoration and preservation of historic properties in Rutherford's historic d...
Low-interest loan program to help Rutherford property owners repair or replace failing private sewer lateral lines. Repa...
Grants for Bergen County residents with disabilities to make ADA-compliant accessibility modifications to their homes. C...
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.
26 programs are currently listed for Rutherford, 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 Rutherford, 18 programs do not require repayment, 1 is forgivable loan, 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.