New Jersey Homeowner Assistance Fund

NJ Housing and Mortgage Finance Agency

Available Disaster Relief

About This Program

New Jersey Homeowner Assistance Fund is available to homeowners in Elizabeth, NJ.

Federal pandemic recovery program providing assistance with past-due mortgage payments, property taxes, homeowners insurance, utilities, and homeowner association fees for households experiencing financial hardship after January 21, 2020.

Assistance amount based on arrears and documented hardship

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

Data last verified 2026-05-25. How we verify our data.

In Elizabeth, NJ, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $35,000 for mortgage and housing costs
  • Covers past-due mortgage, taxes, insurance, utilities
  • Must show COVID-19 related financial hardship
  • Income up to 150% AMI eligible
  • Assistance paid directly to servicers/creditors

How to Apply

Get free help applying Visit Official Program Page Track this program

(888) 847-2959

A grant-savvy contractor in Elizabeth, 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 Elizabeth 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).
  • 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 open until funds exhausted

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 Homeowner Assistance Fund provide in Elizabeth, NJ?

Up to $35,000 assistance.

Who qualifies for New Jersey Homeowner Assistance Fund in Elizabeth?

New Jersey Homeowner Assistance Fund is open to homeowners in Elizabeth, NJ.

How do I apply for New Jersey Homeowner Assistance Fund in Elizabeth, NJ?

Apply directly with NJ Housing and Mortgage Finance Agency using the official program link on this page or call (888) 847-2959. 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 Elizabeth, NJ contractors

Find More Programs in Elizabeth, NJ

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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