NJHMFA Owner-Occupied Rehabilitation Program

New Jersey Housing and Mortgage Finance Agency

Available Home Repair

About This Program

Provides forgivable loans to low- and moderate-income homeowners for necessary home repairs and improvements. Administered through participating municipalities in New Jersey, loan is forgiven after 10 years of continued owner occupancy.

Forgivable loan amount based on scope of necessary repairs and income level

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Forgivable loan up to $20,000 for home repairs
  • Income at or below 80% area median income
  • Must be owner-occupied for 10 years
  • Covers structural, electrical, plumbing, roofing
  • Check with Lyndhurst Township for participation

How to Apply

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Lyndhurst early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Subject to fund availability

Questions about this program?

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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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