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Bergen County, New Jersey · Loan

Bergen County Home Improvement Program (HIP)

Run by Bergen County Division of Community Development, Home Improvement Program

Bergen County lends low- and moderate-income homeowners up to $17,500 (one-family home or condo interior) or $25,000 (two-family home) for repairs such as heating, roofs, windows and doors. The loan is interest free with no monthly payments and no fees, and is repaid only when the home is sold or the title is transferred.

Open Checked Oct 25, 2026

Amounts

How much you get

Interest-free loan with no monthly payments and no fees: up to $17,500 for a one-family home or condominium interior, up to $25,000 for a two-family home. The amount depends on which of these fits your install.

What you installYou get
One-family home or condominium interiorN/A
Two-family homeN/A

Eligibility

Do I qualify?

You need to meet all 4 of these.

  • Your home is in Bergen County, New Jersey.

  • Low- to moderate-income households. Eligibility is based on income, financial status, family size and the type of improvements requested. The page doesn't publish the income limits; the pre-application asks for total household income.

  • Owner-occupied one- or two-family homes and condominium interiors in Bergen County.

  • Improvements to basements and attics aren't allowed unless they relate to infrastructure such as plumbing, heating or HVAC.

Applying

How to apply

You apply online.

  1. Fill out the online Pre-Application Qualification form.

    It asks for household size, total gross annual income and whether you have a mortgage.

    Go to bergencountynjgov.org

  2. HIP reviews your income, finances, family size and the improvements you want.
  3. If you're eligible, HIP approves the improvements and the loan.
  4. Repay the loan only when you sell the home or transfer the title.

Forms and instructionsBergen County Home Improvement Program (HIP)

Questions about applying201-336-6999 or GetHIP@bergencountynj.gov

Your address

Next steps

Check that it covers your address. Then, if you want, ask for a contractor quote.

FAQ

Questions

How much does Bergen County Home Improvement Program (HIP) pay?

Up to $25,000.

Is there an income limit?

Low- to moderate-income households. Eligibility is based on income, financial status, family size and the type of improvements requested. The page doesn't publish the income limits; the pre-application asks for total household income.

Do renters qualify?

Owner-occupied one- or two-family homes and condominium interiors in Bergen County.

Is it still available?

Yes. It was open when we last checked, on October 25, 2026.

References

Sources

This page is built from these official pages, run by the program itself.

  1. Bergen County Home Improvement Program (HIP)bergencountynj.gov · Read Oct 25, 2026 · Re-checked weekly
  2. Bergen County HIP Pre-Application Qualification formbergencountynjgov.org · Read Oct 25, 2026 · Re-checked monthly

When one of these pages changes, we re-check this page against it.

Report a problem with this page

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