Clark Home Improvement Program: Up to $25,000 in Repairs for NJ Homeowners

The Clark Home Improvement Program (HIP) helps income-eligible homeowners in Clark Township, New Jersey fund critical repairs to their primary residence. Created by the Township and administered by Community Grants, Planning & Housing LLC (CGP&H), the program is funded through developer fees contributed to the Township's Affordable Housing Trust Fund — not by taxpayers.

How Much You Can Receive

Qualified homeowners may receive up to $25,000 in home repairs. The funds are structured as a 0% interest deferred loan, meaning:

• No monthly payments
• No interest charges
• Repayment is only required when the home is sold or title is transferred

Applying does not cost anything and does not impact the applicant's credit score.

Who Is Eligible

To qualify, an applicant must:

• Reside in Clark Township, NJ
• Own the home they occupy
• Have a gross annual household income below the published limits

Current Income Limits by Household Size

Household Size	Maximum Gross Income
1	$75,840
2	$86,640
3	$97,440
4	$108,240
5	$116,960
6	$125,600
7	$134,240
8	$142,880

Income limits are updated annually.

What Repairs Are Covered

The HIP targets substandard interior and exterior conditions affecting major housing systems, including:

• Heating and electrical systems
• Roofs
• Plumbing system components
• Foundations
• Windows and insulation
• Other qualifying health, safety, and code-related repairs

A professional inspector oversees the scope of work to ensure repairs correct legitimate health, safety, and code deficiencies.

How to Apply

Interested homeowners submit a one-page pre-application through the program's website. CGP&H reviews submissions and guides qualified applicants through the documentation and inspection process.

Contact

• Administrator: Community Grants, Planning & Housing (CGP&H)
• Phone: 609-664-2781
• Email: bmccann@cgph.net
• Township Municipal Building: 732-388-3600

Landlords with rental properties in Clark may also inquire about whether rental property funding is available.

Why This Program Stands Out

Unlike many county-level rehabilitation programs that rely on federal CDBG allocations, Clark's HIP is funded entirely by developer contributions to the municipal Affordable Housing Trust Fund. That structure insulates it from federal budget cycles and lets the Township set its own income limits and eligible-repair scope. For residents, the combination of a $25,000 ceiling, 0% interest, deferred repayment, and no credit-score impact makes the HIP one of the more accessible single-family rehab programs available to homeowners in Union County, NJ.