Find grants, rebates, forgivable loans, and free programs for Wharton, NJ, filtered to your situation.
As of June 2026, 23 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Wharton, NJ, with individual awards up to $126,526. 6 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 | 0 | 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 New Jersey DCA to reduce energy costs for low-income households....
Low-interest home improvement loan for New Jersey homeowners to finance major repairs, accessibility modifications, or e...
Energy efficiency rebate program for JCP&L customers in Wharton. Provides incentives for insulation, air sealing, HVAC u...
Rebates for installing high-efficiency HVAC systems including air source heat pumps, central AC, and furnaces. Available...
State incentive program for residential solar installations in New Jersey. Provides Renewable Energy Certificates (SRECs...
New Jersey requires lead-safe certification for pre-1978 rental properties. Program provides information, resources, and...
Federal program providing low-interest loans up to $40,000 and grants up to $10,000 for very-low-income homeowners in el...
Grant for veterans with certain service-connected disabilities to help purchase or modify a home to meet their accessibi...
Grant for veterans with certain service-connected disabilities to make accessibility adaptations to their home. Covers m...
Grant program for Morris County senior homeowners age 60+ with limited income to make minor home repairs and accessibili...
Federal HOME Investment Partnerships Program funds administered by NJ DCA for housing rehabilitation. Provides grants an...
Income-qualified program providing free or heavily subsidized high-efficiency heating and cooling equipment for eligible...
Solar Renewable Energy Certificate program (SREC-II) providing 15-year performance-based incentives for residential sola...
State program that reimburses eligible senior citizens and disabled persons for property tax increases on their principa...
Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) program provides property tax relief to New Jersey...
Universal Service Program providing free heating system repair or replacement for income-qualified New Jersey Natural Ga...
Comprehensive no-cost energy efficiency program for income-qualified New Jersey households. Services include insulation,...
State incentive program for residential electric vehicle charging equipment installation. Provides rebates up to $4,000 ...
Grant program for Morris County residents with disabilities or seniors to make home accessibility modifications. Covers ...
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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23 programs are currently listed for Wharton, 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 Wharton, 17 programs do not require repayment, 0 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.