New Jersey HOME Owner-Occupied Rehabilitation

NJ DCA / HUD HOME Program

Available Home Repair

About This Program

New Jersey HOME Owner-Occupied Rehabilitation is available to homeowners in Bergenfield, NJ.

HUD HOME funds administered by NJ DCA for comprehensive home rehabilitation. Forgivable loan for owner-occupied households with income at or below 80% AMI. Loan forgiven over 5-10 years depending on amount. Covers major systems and structural repairs.

Forgivable loan amount based on scope of needed repairs; no repayment if compliance maintained

Official program page checked live on 2026-06-22.

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

This is a national program. In Bergenfield, NJ, you can stack it with local programs like these:

Key Details

  • Forgivable loan up to $35,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in New Jersey
  • Loan forgiven over 5-10 years of compliance
  • Covers roofing, structural, systems, accessibility

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 633-6274

A grant-savvy contractor in Bergenfield, 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 Bergenfield 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).
  • 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: Applications through local administrators

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can New Jersey HOME Owner-Occupied Rehabilitation provide in Bergenfield, NJ?

Forgivable loan up to $35,000.

Who qualifies for New Jersey HOME Owner-Occupied Rehabilitation in Bergenfield?

New Jersey HOME Owner-Occupied Rehabilitation is open to homeowners in Bergenfield, NJ. It prioritizes low-income households.

How do I apply for New Jersey HOME Owner-Occupied Rehabilitation in Bergenfield, NJ?

Apply directly with NJ DCA / HUD HOME Program using the official program link on this page or call (609) 633-6274. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Bergenfield, NJ contractors

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