NJ Housing Rehabilitation Trust Fund
NJ Housing and Mortgage Finance Agency
About This Program
The Grant Map catalogs NJ Housing Rehabilitation Trust Fund in its Garfield, NJ research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
State-funded forgivable loans for comprehensive home rehabilitation for low- and moderate-income homeowners. Loans forgiven after 5-10 years of owner-occupancy. Available through participating municipalities.
Forgivable loan with 5-10 year occupancy requirement
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-06-09. How we verify our data.
Other published resources for Garfield, NJ, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
- EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs
Key Details
- Forgivable loan up to $50,000
- For comprehensive home rehabilitation
- Income at or below 80% AMI
- Forgiven after 5-10 years of occupancy
- Contact Garfield housing office
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Garfield.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
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).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Contact participating municipality for availability
Questions about this program?
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Frequently asked questions
What amount is listed for NJ Housing Rehabilitation Trust Fund in Garfield, NJ?
The Grant Map record states: Up to $50,000 forgivable loan. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for NJ Housing Rehabilitation Trust Fund in Garfield?
The directory record carries audience tags for homeowners. It also carries a low-income tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for NJ Housing Rehabilitation Trust Fund in Garfield, NJ?
Confirm the application route directly with NJ Housing and Mortgage Finance Agency; use the cited source on this page as a starting point or call (609) 278-7400. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Garfield, NJ
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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