The Home Plus program offers a fixed interest rate home mortgage to qualified First-Time and Urban Target Area homebuyers with immediate home improvement needs. Homeowners are allowed to finance up to $15,000 toward home repairs and improvements as part of the first mortgage.

Improvements allowed include replacing a roof, painting, installing improved heating or air conditioning systems, renovating a kitchen or bath, renovating plumbing or electrical systems and enlarging rooms. Energy conservation and solar energy improvements are also eligible. Handicap accessibility improvements are also eligible repairs.

Please refer to the latest income and purchase price limits:

• Purchase Price and Income Limits - Statewide (21k PDF)
• Purchase Price and Income Limits - Urban Target Areas (22k PDF)

Further detail is available on our Home Plus Program Fact Sheet (33k PDF) or call 1-800-NJ-HOUSE.