NJ HomeKeeper Program (STEP)

New Jersey Housing and Mortgage Finance Agency

Available Home Repair

About This Program

NJ HomeKeeper Program (STEP) is available to homeowners in Lakewood, NJ.

Provides grants to income-eligible New Jersey homeowners to make critical home repairs that address health and safety concerns. Repairs must be necessary to continue occupancy and may include heating systems, roofing, electrical, and plumbing.

Grant covers 100% of eligible critical repair costs up to maximum

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

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

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

Key Details

  • Grant up to $10,000 for critical home repairs
  • Must be owner-occupied in New Jersey
  • Income limits apply (typically up to 80% AMI)
  • Covers heating, roofing, electrical, plumbing
  • No repayment required

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

A grant-savvy contractor in Lakewood, 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 Lakewood 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).
  • 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: Rolling, subject to funding 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 HomeKeeper Program (STEP) provide in Lakewood, NJ?

Up to $10,000 grant.

Who qualifies for NJ HomeKeeper Program (STEP) in Lakewood?

NJ HomeKeeper Program (STEP) is open to homeowners in Lakewood, NJ.

How do I apply for NJ HomeKeeper Program (STEP) in Lakewood, 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 Lakewood, NJ contractors

Find More Programs in Lakewood, NJ

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

See All Programs