NJHMFA Home Improvement Program

New Jersey Housing & Mortgage Finance Agency

Available Home Repair

About This Program

Zero-percent interest loan for home improvements on owner-occupied single-family homes in New Jersey. Loans are repaid over 10 years with affordable monthly payments based on household income.

Zero-interest loan repaid over 10 years with income-based payments

Key Details

  • 0% interest loan up to $25,000
  • Income at or below 80% AMI required
  • 10-year repayment term
  • Owner-occupied single-family homes only
  • Covers major repairs and system replacements

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

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

Deadline: Applications accepted year-round

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