Find grants, rebates, forgivable loans, and free programs for Toms River, NJ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Toms River, NJ, with individual awards up to $150,000. 5 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...
CDBG-funded program providing forgivable loans for major home repairs to income-eligible homeowners in Toms River. Loan ...
Provides emergency home repair grants to Ocean County senior citizens age 62 and older who own and occupy their homes. C...
Federally funded program providing free weatherization services to income-eligible New Jersey households. Includes insul...
Rebates for New Jersey homeowners installing qualifying air-source or ground-source heat pumps. Additional incentives av...
Zero-interest loan program for New Jersey homeowners needing repairs to maintain safe and sanitary housing. Secured by a...
HUD-funded program providing free lead hazard evaluation and abatement for New Jersey homes built before 1978 where chil...
Energy efficiency rebates for JCP&L residential customers installing high-efficiency HVAC systems, heat pumps, and elect...
Rebates for JCP&L customers purchasing ENERGY STAR certified appliances including refrigerators, clothes washers, and de...
New Jersey homeowners with solar panel systems earn Solar Renewable Energy Credits (SRECs) for every megawatt-hour gener...
Federal tax credit equal to 30% of the cost of solar panel systems and battery storage installed on residential properti...
Very low-interest loans (1%) and grants for very-low-income homeowners in qualifying rural areas to repair or improve th...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their accessibili...
Grant for veterans with certain service-connected disabilities to adapt a home for accessibility needs. Covers modificat...
Provides grants to Ocean County seniors age 60 and older for minor home modifications to improve safety and accessibilit...
Comprehensive home energy assessment identifying opportunities to save energy and money. Audit includes blower door test...
Free weatherization and energy efficiency improvements for income-qualified New Jersey households. Includes insulation, ...
Post-Hurricane Sandy recovery program that provided grants to homeowners for reconstruction, rehabilitation, or elevatio...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Partic...
New Jersey residents who pay property taxes (either directly as homeowners or through rent) may be eligible for a deduct...
Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) provides property tax relief to New Jersey homeown...
Federally funded program providing heating assistance to low-income New Jersey households. Benefits are paid directly to...
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 Toms River, 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 Toms River, 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.