Find grants, rebates, forgivable loans, and free programs for Washington, NJ, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Washington, NJ, with individual awards up to $150,000. 7 programs target seniors, 3 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 | 2 | 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...
State-funded weatherization program that reduces energy costs through home energy improvements including insulation, air...
State program to eliminate lead-based paint hazards in homes built before 1978 where children under age 6 reside. Servic...
CDBG-funded forgivable loan program for major home repairs in Morris County. Covers critical health and safety repairs i...
Grant program for accessibility modifications to enable persons with permanent disabilities to live independently in the...
Comprehensive energy efficiency program offering rebates and direct installation services for JCP&L customers. Includes ...
Rebate program for installing qualified air-source or ground-source heat pumps in existing homes. Higher rebates availab...
State solar incentive program providing performance-based payments for residential solar installations through the Trans...
USDA program providing loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or mod...
Property tax deduction for New Jersey residents age 65 or older, or age 55+ receiving Social Security disability benefit...
New Jersey's ANCHOR (Affordable New Jersey Communities for Homeowners and Renters) program provides direct property tax ...
Grant for veterans with certain service-connected disabilities to purchase or modify a home to meet their accessibility ...
Grant for veterans with certain service-connected disabilities to adapt their home for independent living. Covers modifi...
Low-interest loan program for home repairs, rehabilitation, and improvements for income-eligible New Jersey homeowners. ...
Free comprehensive home energy improvements for income-qualified JCP&L customers. Services include furnace repair/replac...
Low-interest loan program to help Morris County homeowners repair or replace failing septic systems. Protects groundwate...
Federal program providing heating assistance to income-qualified New Jersey households. Benefit amounts vary based on ho...
Monthly credits on electric and natural gas bills for income-qualified New Jersey households. Reduces monthly utility bi...
FHA-insured mortgage that finances both home purchase (or refinance) and renovation costs in a single loan. Allows buyer...
Disaster recovery assistance for homeowners impacted by federally-declared disasters. Provides funding for unmet needs n...
Matching grant program for preservation and rehabilitation of historic properties listed on state or national registers....
Reimburses eligible senior and disabled homeowners for increases in property taxes on their principal residence. Freezes...
Property tax exemption for qualifying disabled veterans. Veterans with 100% service-connected disability may receive ful...
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 Washington, 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 Washington, 19 programs do not require repayment, 1 is forgivable loan, and 2 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.