Union County, New Jersey · Loan
Union County Home Improvement Program
Run by Development Directions LLC for the Union County Department of Economic Development
Union County lends homeowners under 80% of area median income up to $24,999, interest free, for heating, electrical and plumbing repairs and energy-saving measures such as insulation and new windows, repaid only when the home is sold. Homeowners 62 and older can get a grant that is not repaid. Only 15 participating towns qualify.
Amounts
How much you get
A non-interest-bearing deferred payment loan of up to $24,999, repaid only when the property is sold or transferred. The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| Deferred payment loan | N/A |
| Ages 62 and over (does not have to be repaid)Senior Home Improvement Grant | N/A |
Eligibility
Do I qualify?
You need to meet all 4 of these, plus one that applies only in some cases.
Your home is in Union County, New Jersey.
Household income below 80% of area median income (HUD limits, available from the program office).
Owner-occupied one- and two-family homes.
The Senior Home Improvement Grant is for residents 62 and over; the loan has no age limit.
- Only in some cases
Only homeowners in Berkeley Heights, Clark, Cranford, Fanwood, Garwood, Hillside, Kenilworth, Mountainside, New Providence, Roselle, Roselle Park, Scotch Plains, Springfield, Summit and Westfield. Elizabeth, Linden, Plainfield, Rahway and Union run their own rehabilitation programs.
Equipment
What equipment counts
Applying
How to apply
You apply by phone.
- Call Development Directions LLC at 732-382-8100 for an appointment.
- Program staff explain the guidelines, complete the application with you and schedule the property inspection.
- Staff write up the work, review contractor bids and inspect the work in progress and at the end.
Forms and instructionsUnion County Home Improvement Program (second county page)
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Union County Home Improvement Program pay?
Up to $24,999.
Is there an income limit?
Household income below 80% of area median income (HUD limits, available from the program office).
Do renters qualify?
Owner-occupied one- and two-family homes.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Union County Home Improvement and Senior Home Improvement Grant Programs
- Union County Home Improvement Program (second county page)
When one of these pages changes, we re-check this page against it.
Nearby
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Comfort Partners
Amount not published
Free energy assessment and no-cost efficiency upgrades (insulation, air sealing, heating and cooling tune-ups, duct sealing, refrigerator or freezer replacement, thermostats and energy counseling) for New Jersey gas and electric customers with income at or below 250% of the federal poverty guidelines, or enrolled in programs like LIHEAP, SNAP, SSI or Medicaid.
Checked Oct 26, 2026
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New Jersey Weatherization Assistance Program (WAP)
Amount not published
Free weatherization for low-income New Jersey households, delivered by a community agency in each county. It covers weatherizing the home, improving heating system efficiency and conserving energy, for households at or below 200% of the federal poverty guidelines or receiving TANF, SNAP, SSI or LIHEAP.
Checked Oct 25, 2026
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Checked Oct 25, 2026