2025 Camden Home Repair Program
The Heart of Camden is pleased to announce the Camden Home Repair Program. This program is made possible through Federal Home Loan Bank of New York & Columbia Bank. This program is done at no cost to the homeowner, and does not create a lien on the property. The purpose of the programs is to identify and address health and safety related repairs for owner-occupied housing units. Deadline to apply is December 5th, 2025.
HOW IT WORKS
The process for the program is as follows:
Heart of Camden has received funding to conduct home repairs valued at approximately $20,000 for each household. We anticipate there will be high demand for this program, and the income requirements to be eligible is on the following page
Once applicants have been accepted:
A Heart of Camden employee, with a licensed contractor, will conduct a walk-through of each home to assess and identify health and safety related repairs needed in the house. Homeowner input is important to help identify these issues, though Heart of Camden will make the final decision on repairs. Examples of health and safety repairs would be addressing electric or plumbing; roofing; leaks; minor mold issues; insulation; heating & cooling; code violations, etc. Cosmetic repairs like flooring, paint, etc will not be included in this program unless connected to the types of work previously mentioned.
After Heart of Camden has received contractor quotes for repairs within the home, we will discuss with the homeowner the different repair options, though Heart of Camden reserves the right for the final decision based on need and the anticipated cost.
When the scope of work is decided and the contractor is set to begin work, Heart of Camden will pay the contractor directly. Some programs require the homeowner to front the cost of repairs; however, by paying the contractor directly, Heart of Camden is ensuring there is no financial burden on the homeowner.
ELIGIBILITY
To be eligible for the program, homeowners must meet the following criteria:
Resident of Camden, NJ with a priority for the Waterfront South neighborhood.
Income is less than 50% of area median income (see chart below for reference)
For owner-occupied houses only.
INCOME ELIGIBILITY
The median family income in 2025 for the Philadelphia/South Jersey region is $114,000. Listed below is the chart for low income limits, defined as 50% of area AMI (area median income). All recipients of the Home Repair Program must have incomes below the limits listed below for their respective household size.
1 person - $41,800
2 people - $47,800
3 people - $53,750
4 people - $59,700
5 people - $65,400
6 people - $69,300
7 people - $74,050
8 people - $78,850
How Do I Apply To The Home Repair Program?
There are 3 ways you can apply for the Home Repair Program:
You can fill out the form online by clicking here.
2. You can download the Application here and mail it in to The Heart of Camden office at 1840 S. Broadway Ave, Camden, NJ, 08104.
3. Stop by our office and fill out an application by TBD