Find grants, rebates, forgivable loans, and free programs for Chatham, NJ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Chatham, NJ, with individual awards up to $126,526. 9 programs target seniors, 3 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 | 20 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | 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...
Provides grants to low- and moderate-income homeowners for critical home repairs and rehabilitation. Funds can be used f...
Free weatherization services for eligible low-income households to reduce energy costs and improve home comfort. Service...
Provides free lead hazard assessment and abatement services for eligible homes built before 1978 where children under si...
Provides forgivable loans for essential home repairs and rehabilitation to income-eligible owner-occupied households in ...
Provides grants for accessibility modifications to homes of persons with disabilities in Morris County. Eligible improve...
Provides partial reimbursement for private sewer lateral repairs or replacements for Chatham Borough residents. Homeowne...
Provides matching grants for exterior restoration work on contributing properties within Chatham's Historic District. El...
Offers rebates for energy-efficient heating and cooling equipment installations for JCP&L customers. Rebates available f...
Provides rebates for high-efficiency natural gas equipment for NJNG customers, including furnaces, boilers, water heater...
New Jersey's Successor Solar Incentive (SuSI) program provides Solar Renewable Energy Certificates (SRECs) for electrici...
Provides comprehensive free energy efficiency improvements for income-qualified households, including insulation, air se...
Provides low-interest loans and grants for very-low-income homeowners to repair, improve, or modernize their homes, or r...
Provides grants to veterans with certain service-connected disabilities to build, buy, or modify a home to meet their ad...
Provides grants to veterans with certain service-connected disabilities to adapt a family member's home in which they wi...
Federal HOME funds administered by NJ DCA to support housing rehabilitation for low-income homeowners. Provides grants o...
Reimburses eligible senior citizens and disabled persons for property tax increases on their principal residence. Freeze...
Provides annual $250 property tax deduction for qualifying seniors, veterans, or surviving spouses. Age 65+, honorably d...
Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) provides property tax relief to New Jersey residen...
Provides financial assistance to help eligible low-income households pay heating bills during winter months. Priority gi...
Provides monthly electric and natural gas bill credits to low-income customers. The Universal Service Fund offers assist...
Provides free ENERGY STAR certified window air conditioning units to income-qualified households with a documented medic...
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 Chatham, 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 Chatham, 20 programs do not require repayment, 2 are forgivable loans, 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.