New Jersey Home Improvement Assistance

New Jersey Housing and Mortgage Finance Agency

Available Home Repair

About This Program

Zero-interest loan program for home improvements to owner-occupied single-family homes and condos. Loans are repaid over 10 years with no prepayment penalty. Available to households at or below 80% area median income.

Zero-interest loan repaid over 10 years at approximately $83/month per $10,000 borrowed

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

Key Details

  • Zero-interest loan for home improvements
  • Up to $10,000 with 10-year repayment term
  • Income at or below 80% AMI required
  • Must be owner-occupied single-family or condo
  • No prepayment penalty

How to Apply

A grant-savvy contractor in Mount Laurel, 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 Mount Laurel 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: Rolling, subject to funding availability

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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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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