New Jersey HOME Rehabilitation Program

NJ Department of Community Affairs (HOME)

Available Home Repair

About This Program

Federally funded HOME program providing forgivable loans for substantial rehabilitation of owner-occupied homes. Loan is forgiven after homeowner remains in residence for affordability period (typically 5-15 years depending on amount). Administered locally through Bergen County.

Typical loan amount for moderate rehabilitation, forgiven after compliance period

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

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

Key Details

  • Forgivable loan up to $35,000
  • Income at or below 80% AMI
  • Must be owner-occupied for entire loan term
  • Forgiven after 5-15 years of compliance
  • Check Bergen County for local allocation

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 292-4080

A grant-savvy contractor in Saddle Brook, 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 Saddle Brook early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

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: Check with Bergen County for local availability

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