Toms River Owner-Occupied Rehabilitation Program

Toms River Township (CDBG)

Available Home Repair

About This Program

Toms River Owner-Occupied Rehabilitation Program is available to homeowners in Toms River, NJ.

CDBG-funded program providing forgivable loans for major home repairs to income-eligible homeowners in Toms River. Loan is forgiven after 5 years of continued owner-occupancy and property tax compliance.

Forgivable loan, no repayment if residency maintained for 5 years

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

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

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

Key Details

  • Forgivable loan up to $30,000
  • Income at or below 80% AMI required
  • Must maintain owner-occupancy for 5 years
  • Covers roofing, electrical, plumbing, HVAC
  • Rolling applications based on fund availability

How to Apply

Get free help applying Visit Official Program Page Track this program

(732) 341-1000

A grant-savvy contractor in Toms River, 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 Toms River 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 applications, subject to fund 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 Toms River Owner-Occupied Rehabilitation Program provide in Toms River, NJ?

Up to $30,000 forgivable loan.

Who qualifies for Toms River Owner-Occupied Rehabilitation Program in Toms River?

Toms River Owner-Occupied Rehabilitation Program is open to homeowners in Toms River, NJ. It prioritizes low-income households.

How do I apply for Toms River Owner-Occupied Rehabilitation Program in Toms River, NJ?

Apply directly with Toms River Township (CDBG) using the official program link on this page or call (732) 341-1000. 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 Toms River, NJ contractors

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