Find grants, rebates, forgivable loans, and free programs for Trenton, NJ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Trenton, NJ, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 9 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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 NJ DCA that provides free energy efficiency improvements to inco...
Low-rate home improvement loans for New Jersey homeowners through NJHMFA's network of approved lenders. Can be used for ...
CDBG-funded forgivable loan for major home repairs and rehabilitation for low-to-moderate income owner-occupants in Tren...
Provides grants for critical home repairs to senior homeowners age 65+ in Trenton with limited incomes. Focuses on safet...
Provides grants for accessibility modifications to assist disabled homeowners in Trenton. Covers ramps, widened doorways...
Provides financial assistance to income-qualified Trenton homeowners for repair or replacement of failing private sewer ...
PSE&G's energy efficiency rebate program for residential customers. Offers incentives for HVAC upgrades, insulation, air...
Rebates for installation of high-efficiency air-source or ground-source heat pumps in PSE&G service territory. Higher in...
New Jersey's Successor Solar Incentive (SuSI) program provides performance-based incentives for residential solar instal...
Free home energy improvements for income-qualified households served by PSE&G, JCP&L, ACE, or New Jersey Natural Gas. In...
USDA grants and low-interest loans to very low-income homeowners age 62+ in eligible rural areas to repair or improve th...
Grant for veterans with certain service-connected disabilities to help purchase or construct an adapted home, or modify ...
Grant for veterans with certain service-connected disabilities to make adaptations to a home they or a family member liv...
State-funded lead hazard control program for homes built before 1978 with children under age 6 or pregnant women. Provid...
Provides grants for minor home repairs and safety improvements to Mercer County seniors age 60+ with limited incomes. He...
Federal HOME funds administered by NJ DCA for owner-occupied rehabilitation in participating municipalities. Provides fo...
FHA-insured mortgage that combines home purchase or refinance with repair/renovation costs in a single loan. Allows buye...
Provides emergency repair assistance to homeowners facing financial hardship who need critical home repairs. Helps preve...
Rebate for PSE&G customers who install qualified Level 2 electric vehicle charging equipment at their home. Supports the...
New Jersey's ANCHOR program (formerly Homestead Benefit) provides property tax relief to eligible homeowners and renters...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Freeze...
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 Trenton, 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 Trenton, 17 programs do not require repayment, 2 are forgivable loans, 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.