Find grants, rebates, forgivable loans, and free programs for Ramsey, NJ, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Ramsey, NJ, with individual awards up to $126,526. 6 programs target seniors, 4 serve veterans, and 14 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 | 1 | 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 energy efficiency improvements to low-income households in New Jersey. Services ...
Low-interest home improvement loans for New Jersey homeowners to make repairs, improvements, or accessibility modificati...
HUD-funded program to eliminate lead-based paint hazards in pre-1978 homes where children under 6 reside or visit freque...
Bergen County's federally funded program providing forgivable loans for home repairs and improvements to low- and modera...
PSE&G customers receive rebates and incentives for energy efficiency upgrades including insulation, air sealing, duct se...
Rebates for PSE&G customers installing qualifying air source heat pumps for heating and cooling. Incentives range from $...
Homeowners with solar installations earn Solar Renewable Energy Certificates for electricity generated, which can be sol...
New Jersey exempts solar energy equipment from the 6.625% state sales tax, reducing upfront installation costs. Exemptio...
Incentives for homeowners installing battery energy storage systems, either paired with solar or standalone. Rebates are...
USDA program providing grants up to $10,000 for seniors 62+ and loans up to $27,500 for very low-income homeowners to re...
Grant for veterans with certain service-connected disabilities to purchase or modify a home for wheelchair accessibility...
Grant for veterans with specific service-connected disabilities (such as blindness or loss of use of hands) to adapt a h...
New Jersey's Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) program provides property tax relief ...
New Jersey reimburses eligible senior and disabled homeowners for property tax increases on their primary residence. Onc...
New Jersey veterans who served in wartime or are honorably discharged disabled veterans receive an annual $250 property ...
New Jersey veterans with 100% permanent and total service-connected disability receive full property tax exemption on th...
Federal HOME Investment Partnerships Program funds administered by Bergen County for home rehabilitation grants to low-i...
Matching grant for owners of properties within Ramsey's historic districts or listed on the Local or National Register o...
Local property tax deduction for Ramsey residents age 65 or older. Provides an annual $250 reduction in property tax lia...
Bergen County CDBG funds for accessibility modifications to homes occupied by disabled or elderly residents. Covers whee...
Low-interest loan program for Ramsey homeowners to repair or replace private sewer laterals from the home to the street ...
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 Ramsey, 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 Ramsey, 18 programs do not require repayment, 1 is forgivable loan, 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.