Bergen County CDBG Housing Rehabilitation

Bergen County Community Development

Available Home Repair

About This Program

Bergen County CDBG Housing Rehabilitation is available to homeowners in Ramsey, NJ.

Bergen County's federally funded program providing forgivable loans for home repairs and improvements to low- and moderate-income homeowners. Loan is forgiven after 10 years of continued owner-occupancy.

Forgivable loan based on repair needs and income, forgiven after 10 years of compliance

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

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

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

Key Details

  • Forgivable loan up to $30,000
  • For major home repairs and improvements
  • Income at or below 80% Bergen County AMI
  • Forgiven after 10 years of owner-occupancy
  • Must be Ramsey homeowner

How to Apply

Get free help applying Visit Official Program Page Track this program

(201) 336-6480

A grant-savvy contractor in Ramsey, 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 Ramsey 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: Rolling, subject to annual allocation

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 Bergen County CDBG Housing Rehabilitation provide in Ramsey, NJ?

Forgivable loan up to $30,000.

Who qualifies for Bergen County CDBG Housing Rehabilitation in Ramsey?

Bergen County CDBG Housing Rehabilitation is open to homeowners in Ramsey, NJ. It prioritizes low-income households.

How do I apply for Bergen County CDBG Housing Rehabilitation in Ramsey, NJ?

Apply directly with Bergen County Community Development using the official program link on this page or call (201) 336-6480. 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 Ramsey, NJ contractors

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