NJ Homeowner Rehabilitation Deferred Loan

NJ Department of Community Affairs

Available Home Repair

About This Program

Zero-interest deferred loan for low- and moderate-income homeowners to address code violations and health/safety issues. Loan is deferred (no monthly payments) and forgiven after 10 years of continued occupancy. Administered through local municipalities.

Deferred loan with no payments, forgiven after 10 years of occupancy

Key Details

  • Up to $40,000 zero-interest deferred loan
  • Income at or below 80% AMI
  • Must be owner-occupied primary residence
  • Forgiven after 10 years of occupancy
  • Addresses code violations and safety issues

How to Apply

A grant-savvy contractor in Hillsborough, NJ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Contact local administrator

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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