Find grants, rebates, forgivable loans, and free programs for Union City, NJ, filtered to your situation.
As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Union City, NJ, with individual awards up to $126,526. 4 programs target seniors, 4 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 | 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...
CDBG-funded forgivable loan for major home repairs and rehabilitation for owner-occupied homes in Union City. Loan is fo...
Federally-funded weatherization program administered by Hudson County Community Action Corporation providing free energy...
HUD-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under age 6 reside. S...
Low-interest home improvement loan program for income-eligible New Jersey homeowners. Loans available through participat...
Free in-home energy assessment identifying opportunities to save energy and money. Includes installation of energy-savin...
Rebates for installation of qualifying energy-efficient heat pump systems. Available for ducted heat pumps, ductless min...
Rebates for professionally installed insulation and air sealing improvements in existing homes. Covers attic insulation,...
Income-qualified program providing comprehensive home energy efficiency improvements at no cost. Services include insula...
Incentive program for residential solar installations providing Successor Solar Renewable Energy Certificates (SRECs) fo...
Annual property tax deduction for Union City homeowners age 65 or older. Reduces annual property tax bill by $250. Must ...
Annual property tax deduction for honorably discharged veterans who own and occupy their primary residence in Union City...
Property tax exemption for permanently and totally disabled veterans or their surviving spouses. Exemption amount based ...
CDBG-funded emergency repair grants for urgent health and safety hazards in owner-occupied homes. Covers immediate threa...
CDBG-funded grant program for accessibility modifications to homes occupied by persons with disabilities. Covers ramps, ...
Low-interest loan program to assist homeowners with repair or replacement of private sewer laterals from home to main se...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their needs. Avai...
Grant for veterans with certain service-connected disabilities to adapt a home they or a family member own. Available to...
Grant program for very-low-income homeowners age 62+ in USDA-designated rural areas to remove health and safety hazards....
Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) provides property tax relief to New Jersey homeown...
HUD HOME-funded program providing forgivable loans for substantial rehabilitation of owner-occupied homes in Hudson Coun...
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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24 programs are currently listed for Union City, 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 Union City, 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.