NJHMFA Home Improvement Loan Program

New Jersey Housing and Mortgage Finance Agency

Available Home Repair

About This Program

Low-interest loans for home improvements to owner-occupied 1-4 unit homes in New Jersey. Funds can be used for repairs, upgrades, and accessibility modifications with flexible repayment terms through participating lenders.

Loan amount based on project scope and borrower qualifications

Official program page checked live on 2026-06-17.

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

Key Details

  • Low-interest loans up to $25,000
  • Available for 1-4 unit owner-occupied homes
  • Covers repairs, upgrades, accessibility modifications
  • Apply through participating lenders
  • Income limits vary by household size

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

A grant-savvy contractor in River Edge, 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 River Edge 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.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications through participating lenders

Questions about this program?

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