NJHMFA Home Repair and Rehabilitation Program

New Jersey Housing & Mortgage Finance Agency

Available Home Repair

About This Program

NJHMFA Home Repair and Rehabilitation Program is available to homeowners in Oakland, NJ.

Provides low-interest loans and forgivable loans for home repairs to income-eligible homeowners throughout New Jersey. Covers major systems, structural repairs, and health and safety improvements.

Loan amount based on income, home value, and scope of repairs

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

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

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

Key Details

  • Low-interest loans or forgivable loans up to $35,000
  • Income at or below 80% AMI required
  • Must be owner-occupied for at least 1 year
  • Covers major systems and structural repairs
  • Possible loan forgiveness after occupancy period

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

A grant-savvy contractor in Oakland, 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 Oakland 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 and Rehabilitation Program provide in Oakland, NJ?

Up to $35,000 loan/grant.

Who qualifies for NJHMFA Home Repair and Rehabilitation Program in Oakland?

NJHMFA Home Repair and Rehabilitation Program is open to homeowners in Oakland, NJ.

How do I apply for NJHMFA Home Repair and Rehabilitation Program in Oakland, NJ?

Apply directly with New Jersey Housing & 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 Oakland, NJ contractors

Find More Programs in Oakland, NJ

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

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