Passaic, New Jersey · Loan
City of Passaic Housing Rehabilitation Program
Run by City of Passaic Department of Community Development, with Sustainable Communities Associates, LLC
The City of Passaic gives owner-occupants of 1-3 family homes earning up to 80% of area median income up to $20,000 per unit for major system repairs such as heating, ventilation and air conditioning, plumbing and electrical work. It's a 0% loan with no monthly payments, forgiven after ten years of owning and living in the home. City of Passaic homes only; first come, first served.
Amounts
How much you get
Up to $20,000 in repairs per unit, as a no-interest ten-year forgivable loan with no monthly payments. The loan is forgiven if you keep title and live in the home for ten years after the work is done.
Eligibility
Do I qualify?
You need to meet all 4 of these.
Your home is in Passaic, New Jersey.
The home must be in the City of Passaic.
Household income at or below 80% of area median income. In a three-family home, the owner and at least one tenant household must meet the limit.
Owner-occupied home with no more than three units, with the owner on the recorded deed, real estate taxes current, insurance in place and the mortgage not delinquent.
Equipment
What equipment counts
Applying
How to apply
You apply by phone. 2026 program; first come, first served while limited funds last.
- Call the Department of Community Development or Sustainable Communities Associates to start.
A loan advisor answers questions and sets up a consultation.
- Complete the preliminary application, then the full application with income and property documents.
- A cost estimator visits, writes up the eligible work and puts it out to bid with city-approved contractors.
The lowest bidder gets the job; you can pay the difference to use a higher bidder.
- Sign the loan closing documents at a pre-construction meeting and the work begins.
- Final inspection; the loan is forgiven after ten years of ownership and occupancy.
Forms and instructionsCity of Passaic Housing Rehabilitation Program application packet (2026)
Questions about applying(973) 365-5641
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does City of Passaic Housing Rehabilitation Program pay?
Up to $20,000 loan.
Is there an income limit?
Household income at or below 80% of area median income. In a three-family home, the owner and at least one tenant household must meet the limit.
Do renters qualify?
Owner-occupied home with no more than three units, with the owner on the recorded deed, real estate taxes current, insurance in place and the mortgage not delinquent.
What’s the deadline?
No fixed deadline. Apply any time while it’s open.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- 2026 Passaic Housing Rehabilitation Program flyer
- City of Passaic Housing Rehabilitation Program application packet (2026)
When one of these pages changes, we re-check this page against it.
Nearby
More in New Jersey
All of New Jersey
Comfort Partners
Amount not published
Free energy assessment and no-cost efficiency upgrades (insulation, air sealing, heating and cooling tune-ups, duct sealing, refrigerator or freezer replacement, thermostats and energy counseling) for New Jersey gas and electric customers with income at or below 250% of the federal poverty guidelines, or enrolled in programs like LIHEAP, SNAP, SSI or Medicaid.
Checked Oct 26, 2026
All of New Jersey
New Jersey Weatherization Assistance Program (WAP)
Amount not published
Free weatherization for low-income New Jersey households, delivered by a community agency in each county. It covers weatherizing the home, improving heating system efficiency and conserving energy, for households at or below 200% of the federal poverty guidelines or receiving TANF, SNAP, SSI or LIHEAP.
Checked Oct 25, 2026
Atlantic City Electric customers, New Jersey
Atlantic City Electric Energy Wise Rewards (Smart Thermostats)
$50
Atlantic City Electric customers who enroll an eligible smart thermostat in Energy Wise Rewards get $50 for enrolling and up to $50 in bill credits per device each year, up to $100 in the first year, for letting ACE cycle their central AC or heat pump on about five summer Peak Savings Days.
Checked Oct 25, 2026