Hudson County HOME Owner-Occupied Rehabilitation

Hudson County Division of Housing (HUD HOME)

Waitlist Home Repair

About This Program

Hudson County HOME Owner-Occupied Rehabilitation is available to homeowners in Union City, NJ.

HUD HOME-funded program providing forgivable loans for substantial rehabilitation of owner-occupied homes in Hudson County. Covers major systems, structural repairs, code violations, and lead hazard remediation. Loan forgiven after 5-15 years depending on amount.

Forgivable loan, no repayment if affordability period completed; period length based on grant amount

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

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

This is a national program. In Union City, NJ, you can stack it with local programs like these:

Key Details

  • Forgivable loan up to $40,000
  • Income at or below 80% AMI required
  • Must be owner-occupied in Hudson County
  • Covers major rehabilitation and code issues
  • Currently waitlisted, check periodically

How to Apply

Get free help applying Visit Official Program Page Track this program

(201) 369-5280

A grant-savvy contractor in Union City, 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 Union City 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).
  • 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: Currently waitlisted; check for reopening

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 Hudson County HOME Owner-Occupied Rehabilitation provide in Union City, NJ?

Forgivable loan up to $40,000.

Who qualifies for Hudson County HOME Owner-Occupied Rehabilitation in Union City?

Hudson County HOME Owner-Occupied Rehabilitation is open to homeowners in Union City, NJ. It prioritizes low-income households.

How do I apply for Hudson County HOME Owner-Occupied Rehabilitation in Union City, NJ?

Apply directly with Hudson County Division of Housing (HUD HOME) using the official program link on this page or call (201) 369-5280. 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 Union City, NJ contractors

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