Find grants, rebates, forgivable loans, and free programs for Somerville, NJ, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Somerville, NJ, with individual awards up to $150,000. 7 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 | 18 | 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 energy efficiency improvements to income-qualified New Jersey households. Servic...
Low-interest home improvement loans for moderate-income New Jersey homeowners. Funds can be used for major repairs, syst...
Grant program for lead hazard control and abatement in homes built before 1978 with children under age 6. Covers lead-sa...
CDBG-funded forgivable loan for major home repairs and rehabilitation for low- and moderate-income Somerville homeowners...
Grant for accessibility modifications to homes occupied by persons with disabilities or seniors needing aging-in-place a...
Emergency repair grant for senior homeowners age 62 and older in Somerville. Covers urgent repairs related to health and...
Partial reimbursement for homeowners replacing private sewer laterals in Somerville. Program reimburses up to 50% of rep...
USDA grants and low-interest loans for very-low-income homeowners in eligible rural areas to repair or improve homes, or...
Grant for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. Covers wh...
Grant for veterans with certain service-connected disabilities to adapt a home for independent living. Covers entrance r...
Rebate for installation of qualifying electric air-source or geothermal heat pumps in New Jersey homes. Rebates vary by ...
Comprehensive energy efficiency program offering energy assessments and rebates for insulation, air sealing, HVAC upgrad...
Performance-based solar incentive program providing payments for electricity generated by residential solar installation...
Instant rebate on purchase and installation of qualifying smart thermostats through PSEG's online marketplace. Smart the...
Free pickup and recycling of old refrigerators, freezers, and room air conditioners, plus cash rebate. Removes inefficie...
Property tax credit for eligible improvements to properties in Somerville's historic districts or individually designate...
State income tax credit for qualified rehabilitation of owner-occupied historic homes in New Jersey. Provides credit equ...
Federal Low-Income Home Energy Assistance Program providing heating bill payment assistance to eligible New Jersey house...
Emergency repair grant for broken heating systems serving low-income New Jersey households during the heating season. Co...
Comprehensive home energy improvements at no cost for income-qualified New Jersey households. Includes insulation, air s...
Post-disaster assistance for unmet recovery needs following federally-declared disasters in New Jersey. Provides grants ...
Federally-funded HOME program providing forgivable loans for substantial rehabilitation of owner-occupied homes in Somer...
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 Somerville, 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 Somerville, 18 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.