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Bergen County Home Improvement Program

Bergen County Division of Community Development · County program

Interest-free financing; no payments until sale or title transfer.

Bergen County offers interest-free home-rehabilitation financing for eligible homeowners in one- and two-family homes. The program can cover major repairs like roofs, siding, windows, doors, heating, plumbing, and electrical work, with no payments until the home is sold or the title changes.

Last verified: August 20, 2026
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Program details

How it works

Bergen County’s Home Improvement Program (HIP) helps eligible homeowners rehabilitate existing one- and two-family houses. The county describes the assistance as interest-free financing with no payments due until the home is sold or the title changes.

What the money covers

The county says HIP can help with a wide range of major home rehabilitation work, including:

  • heating
  • plumbing
  • electrical
  • roof, leaders, and gutters
  • exterior siding
  • windows and doors
  • driveway, sidewalk, and steps
  • and more

What homeowners should expect

The program is described as a resource to rehabilitate existing homes rather than a narrow repair grant. The county also notes that eligibility depends on income, family size, and the type of improvement.

How to apply

The county page indicates homeowners should contact the program office for details and application information. The county’s senior services guide lists the program at One Bergen County Plaza, 4th Floor, Hackensack, NJ 07601, with phone number 201-336-6999.

Timing and deadlines

The official county material located for this search does not state a fixed application window or deadline.

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