Home Improvement Program

About the Program

The Bergen County Home Improvement Program provides resources to rehabilitate existing one- and two-family housing. It increases the supply of safe, suitable and affordable housing for low-income Bergen County Residents.


This program is designed to assist owners / occupants of one- and two-family homes in making necessary repairs to their homes. Eligibility is based on income, family size and type of improvement.

Eligible improvements include:
  • Bathrooms and kitchens
  • Doors and windows
  • Electrical
  • Exterior and interior painting
  • Insulation
  • Plumbing and heating
  • Roofs
  • Sidewalks and driveways
  • Siding, leaders and gutters
  • Steps and porches
  • Storm windows
  • Walls and ceilings

Financial Benefits

The Bergen County Home Improvement Program provides loans up to $17,500 for a one-family home and up to $25,000 for a two-family home at a simple rate of 3%. This is all based on income.

Submit HIP Pre-Application