Find grants, rebates, forgivable loans, and free programs for Wayne, NJ, filtered to your situation.
As of June 2026, 26 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Wayne, NJ, with individual awards up to $150,000. 6 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 | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | 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...
Free weatherization improvements for income-eligible households to reduce energy costs. Services include insulation, air...
Low-interest home improvement loans for New Jersey homeowners to make necessary repairs and improvements. Available thro...
Free lead hazard evaluation and abatement services for homes built before 1978 where children under 6 reside. Program co...
Forgivable loans for major home repairs for low and moderate income homeowners in Passaic County. Loan is forgiven after...
CDBG-funded home repair grants for income-eligible Wayne Township homeowners to address critical health and safety issue...
Grants for accessibility modifications to enable seniors and persons with disabilities to remain in their homes safely. ...
Emergency repair assistance for Wayne Township seniors aged 65 and older. Provides grants for critical health and safety...
Comprehensive home energy audit with instant rebates and incentives for insulation, air sealing, and duct sealing improv...
Rebates for installation of energy-efficient air-source or ground-source heat pumps. Higher rebates available for ENERGY...
Rebate for purchasing and installing high-efficiency central air conditioning systems with SEER rating of 16 or higher. ...
Homeowners with solar photovoltaic systems earn Solar Renewable Energy Certificates for every megawatt-hour generated, w...
New Jersey exempts solar energy equipment from state sales tax (6.625%), reducing upfront installation costs. Applies to...
Free or reduced-cost replacement of heating systems for income-qualified PSEG gas customers. Program covers furnaces, bo...
Free or reduced-cost replacement of air conditioning systems for income-qualified PSEG electric customers. Program provi...
Rebates for purchasing high-efficiency gas or electric water heaters. Tankless, heat pump, and ENERGY STAR certified sto...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas to repair, improve, or modernize ho...
Grant for veterans with certain service-connected disabilities to construct or modify a home to meet their disability-re...
Grant for veterans with certain service-connected disabilities to adapt a home for independent living. Covers modificati...
Federal HOME Investment Partnerships Program funds administered by New Jersey for owner-occupied housing rehabilitation....
CDBG Disaster Recovery funds for homeowners affected by Superstorm Sandy in 2012. Program is now closed to new applicant...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Freeze...
Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) provides property tax relief to homeowners and ren...
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 Wayne, 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 Wayne, 18 programs do not require repayment, 2 are forgivable loans, and 4 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.