NJHMFA Home Repair Program

New Jersey Housing and Mortgage Finance Agency

Available Home Repair

About This Program

NJHMFA Home Repair Program is available to homeowners in Kearny, NJ.

Provides forgivable loans for major home repairs to low- and moderate-income homeowners statewide. Loan is forgiven after 10 years of continued owner occupancy. Covers essential systems, code violations, and accessibility modifications.

Forgivable loan, no repayment if you remain in home 10 years

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

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

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

Key Details

  • Forgivable loan up to $50,000
  • Income limits: 80% AMI
  • Covers major repairs and code violations
  • Forgiven after 10 years of occupancy
  • Must be owner-occupied primary residence

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

A grant-savvy contractor in Kearny, 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 Kearny 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: Applications accepted year-round

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 NJHMFA Home Repair Program provide in Kearny, NJ?

Up to $50,000 forgivable loan.

Who qualifies for NJHMFA Home Repair Program in Kearny?

NJHMFA Home Repair Program is open to homeowners in Kearny, NJ.

How do I apply for NJHMFA Home Repair Program in Kearny, NJ?

Apply directly with New Jersey 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 Kearny, NJ contractors

Find More Programs in Kearny, NJ

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

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