Passaic County Housing Rehabilitation Program

Passaic County Division of Housing

Available Home Repair

About This Program

Passaic County Housing Rehabilitation Program is available to homeowners in Wayne, NJ.

Forgivable loans for major home repairs for low and moderate income homeowners in Passaic County. Loan is forgiven after 5 years of continued owner-occupancy. Covers health, safety, and code violations.

Forgivable loan forgiven over 5 years of owner-occupancy

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

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

Key Details

  • Forgivable loans up to $30,000 for major repairs
  • For low and moderate income homeowners
  • Loan forgiven after 5 years of occupancy
  • Must be owner-occupied in Passaic County
  • Covers health, safety, and code violations

How to Apply

Get free help applying Visit Official Program Page Track this program

(973) 881-4555

A grant-savvy contractor in Wayne, 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 Wayne 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: Applications accepted on rolling basis

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 Passaic County Housing Rehabilitation Program provide in Wayne, NJ?

Up to $30,000 forgivable loan.

Who qualifies for Passaic County Housing Rehabilitation Program in Wayne?

Passaic County Housing Rehabilitation Program is open to homeowners in Wayne, NJ. It prioritizes low-income households.

How do I apply for Passaic County Housing Rehabilitation Program in Wayne, NJ?

Apply directly with Passaic County Division of Housing using the official program link on this page or call (973) 881-4555. 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.

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

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