Find grants, rebates, forgivable loans, and free programs for Saddle Brook, NJ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Saddle Brook, NJ, with individual awards up to $150,000. 6 programs target seniors, 2 serve veterans, and 11 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 |
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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 weatherization program administered by Bergen County Community Action Partnership. Provides energy effi...
State-funded program to identify and remediate lead-based paint hazards in homes built before 1978 where children under ...
Low-interest rehabilitation loan for owner-occupied homes in New Jersey. Covers major repairs and improvements including...
Free or low-cost home energy audit plus rebates for insulation, air sealing, HVAC upgrades, and water heater improvement...
Rebates for high-efficiency heating and cooling equipment including furnaces, boilers, central AC, and heat pumps. Requi...
Enhanced rebates for air-source and ground-source heat pumps as part of New Jersey's Clean Energy Program. Covers both d...
Solar incentive program where homeowners earn tradeable credits for every megawatt-hour their system produces over 15 ye...
Subscribe to a share of a local solar farm without installing panels on your home. Receive credits on your PSE&G bill fo...
CDBG-funded grant program for owner-occupied homes in Saddle Brook requiring major repairs. Covers health, safety, and c...
Emergency and essential home repair grants for Bergen County seniors age 60+ with limited income. Covers urgent health a...
Grant program for accessibility modifications for Bergen County residents with disabilities. Covers ramps, stair lifts, ...
Reimburses eligible seniors and disabled persons for property tax increases on their principal residence. Freezes proper...
Direct property tax relief payment to New Jersey homeowners and renters. Homeowners receive up to $1,500; renters up to ...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas to repair, improve, or modernize ho...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to accommodate their disa...
Grant for veterans with certain service-connected disabilities to adapt a family member's home in which they reside. Cov...
Federally funded HOME program providing forgivable loans for substantial rehabilitation of owner-occupied homes. Loan is...
Partial reimbursement program for homeowners who need to repair or replace their private sewer lateral from the home to ...
State-funded grants for home modifications that enable individuals with disabilities to live independently. Covers ramps...
CDBG-DR funding activated after presidentially declared disasters to help homeowners repair, rebuild, or elevate homes d...
Comprehensive no-cost weatherization for income-qualified PSE&G customers. Includes insulation, air sealing, furnace/boi...
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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25 programs are currently listed for Saddle Brook, 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 Saddle Brook, 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.