Bergen County Senior Citizens Home Improvement Program

Bergen County Division of Community Development

Available Senior & Disability

About This Program

Bergen County Senior Citizens Home Improvement Program is available to homeowners in Ridgewood, NJ.

Zero-interest deferred loan for Bergen County senior homeowners (62+) to make essential home repairs. Loan is deferred with no monthly payments; repaid only when property is sold or title transfers.

Deferred loan requires no repayment while homeowner resides in home

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

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

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

Key Details

  • Up to $10,000 deferred loan for seniors 62+
  • No monthly payments while living in home
  • Income limits apply (moderate income)
  • Covers essential repairs and safety improvements
  • Available to Bergen County homeowners

How to Apply

Get free help applying Visit Official Program Page Track this program

(201) 336-6400

A grant-savvy contractor in Ridgewood, 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 Ridgewood 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).
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • 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 Bergen County Senior Citizens Home Improvement Program provide in Ridgewood, NJ?

Deferred loan up to $10,000.

Who qualifies for Bergen County Senior Citizens Home Improvement Program in Ridgewood?

Bergen County Senior Citizens Home Improvement Program is open to homeowners in Ridgewood, NJ. It serves seniors.

How do I apply for Bergen County Senior Citizens Home Improvement Program in Ridgewood, NJ?

Apply directly with Bergen County Division of Community Development using the official program link on this page or call (201) 336-6400. 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 Ridgewood, NJ contractors

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