NJ Housing Rehabilitation Trust Fund

NJ Housing and Mortgage Finance Agency

Available Home Repair

About This Program

NJ Housing Rehabilitation Trust Fund is available to homeowners in Garfield, NJ.

State-funded forgivable loans for comprehensive home rehabilitation for low- and moderate-income homeowners. Loans forgiven after 5-10 years of owner-occupancy. Available through participating municipalities.

Forgivable loan with 5-10 year occupancy requirement

Official source site checked live on 2026-06-22.

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

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

Key Details

  • Forgivable loan up to $50,000
  • For comprehensive home rehabilitation
  • Income at or below 80% AMI
  • Forgiven after 5-10 years of occupancy
  • Contact Garfield housing office

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

A grant-savvy contractor in Garfield, 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 Garfield 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: Contact participating municipality for availability

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 NJ Housing Rehabilitation Trust Fund provide in Garfield, NJ?

Up to $50,000 forgivable loan.

Who qualifies for NJ Housing Rehabilitation Trust Fund in Garfield?

NJ Housing Rehabilitation Trust Fund is open to homeowners in Garfield, NJ. It prioritizes low-income households.

How do I apply for NJ Housing Rehabilitation Trust Fund in Garfield, NJ?

Apply directly with NJ Housing and Mortgage Finance Agency using the official program link on this page or call (609) 278-7400. 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 Garfield, NJ contractors

Find More Programs in Garfield, NJ

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

See All Programs