Find grants, rebates, forgivable loans, and free programs for Union, NJ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Union, NJ, with individual awards up to $126,526. 9 programs target seniors, 2 serve veterans, and 10 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 | 3 | 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 program providing free weatherization improvements to income-eligible households in Union County. Servi...
Provides forgivable loans to low- and moderate-income homeowners for critical home repairs and rehabilitation. Loan is f...
CDBG-funded forgivable loan program for major home repairs to income-eligible owner-occupants in Union Township. Covers ...
Grant program for emergency home repairs posing immediate health or safety threats to very low-income homeowners in Unio...
HUD-funded program providing free lead hazard evaluation and abatement for pre-1978 homes with children under 6 years ol...
PSE&G customers can receive rebates and incentives for energy efficiency improvements including insulation, air sealing,...
Rebates for installing qualified air-source or ground-source heat pumps to replace existing heating systems. Higher reba...
Free energy efficiency improvements for income-eligible PSE&G and NJ Natural Gas customers. Services include insulation,...
Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or modernize ho...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. El...
Helps veterans with certain service-connected disabilities adapt a family member's home or their own home in which they ...
Federal HOME funds administered by New Jersey for owner-occupied rehabilitation in participating municipalities. Provide...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Income...
Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) provides property tax relief to New Jersey residen...
CDBG grant program providing accessibility modifications for disabled and elderly owner-occupants in Union Township. Cov...
Provides financial assistance to income-eligible homeowners for repair or replacement of sewer lateral connections from ...
Successor Solar Incentive (SuSI) program provides performance-based incentives for new residential solar installations i...
Offers low-interest loans to PSE&G electric customers for solar panel and battery storage installation. Competitive inte...
Rebate for purchase and installation of Level 2 electric vehicle charging equipment at residential properties in New Jer...
Small grant program for emergency and minor home repairs for low-income seniors age 60+ in Union County. Priority given ...
Voluntary buyout program for homes in flood-prone areas of New Jersey. Properties purchased at pre-storm fair market val...
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 Union, 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, 17 programs do not require repayment, 3 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.