NJ Housing Mitigation Fund

Protect Your Home.
Get Funded.

Ross House Lifting Inc. is an approved contractor for the NJ Housing Mitigation Fund — helping homeowners access 0% interest funding to reduce flood and disaster risk.

$100K

Available per home
(Pathway 1)

Interest — no repayment
while you own the home

About the Program

What Is the Housing Mitigation Fund?

The Housing Resilience Mitigation Fund (HMF) is a NJ state program run by the Division of Disaster Recovery and Mitigation. It uses federal disaster recovery funding received in the wake of Hurricane Ida to help homeowners safeguard their properties against future storms and flooding.

Funds cover qualifying repairs that reduce your home's risk — from roof replacement to drainage solutions to full reconstruction — at absolutely no interest.

No repayment while you own the home. The award is only repaid when the property is sold. Think of it as deferred, interest-free assistance — not a traditional loan.

Eligible Counties (NJ)

Bergen
Essex
Gloucester
Hudson
Hunterdon
Mercer
Middlesex
Morris
Passaic
Somerset
Union
Warren

Properties must be located in one of these counties to qualify. Contact us to confirm your eligibility.

Two Pathways

Which Program Is Right for You?

The HMF has two distinct pathways depending on your home's situation and level of risk.

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Pathway 1

Hazard Reduction & Prevention

Up to $100,000 per home

Funding for targeted repairs that reduce flood and storm risk. Choose one primary mitigation activity and add up to 3 related scope items.

Own and live in the property in an eligible county
Single-family home, townhouse, modular, or manufactured home
Income under 120% of Area Median Income (HUD guidelines)
Work completed within 12 months of award

💡 No repayment required while you own the home. Amount is due only at time of sale.

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Pathway 2

Reconstruction

Up to $500,000 per property

For high-risk properties where full reconstruction is warranted. Covers demolition, site improvements, and building a new resilient home.

Own and live in the property in an eligible county
Property must demonstrate hazard exposure requiring reconstruction
Income under 120% of Area Median Income
Project completed within 36 months of award

💡 Also available to developers building affordable resilient homes for low-to-moderate income buyers.

How It Works

Your Path to Funding

Ross House Lifting Inc. guides you through every step — from eligibility to final inspection.

Contact Us

Call or email us. We'll discuss your property, confirm county eligibility, and explain what work may qualify.

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Site Assessment

We visit your home, assess the risk areas, and prepare a scope of work proposal that meets program requirements.

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Apply to the Program

Submit your application to the NJ DCA with your ID, proof of income, proof of ownership, our proposal, and job-site photos.

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We Do the Work

Once approved, Ross House Lifting Inc. completes the work within the program's timeline. Permits and design costs are included.

What you'll need to apply: State/federal ID · Proof of ownership & residency · Form 1040 (tax return) · Contractor proposal from Ross House Lifting Inc. · Photos of the job site

Covered Work

What Can Be Funded?

The program covers specific eligible activities to reduce your home's flood and storm risk. Contact us for current program details and pricing.

Roof Replacement (Shingles)

Shingles, flashing, ridge vent, ice barrier, partial sheathing

Roof Replacement (Full)

Full CDX sheathing replacement with code-compliant installation

Hurricane Ties

Simpson Strong-Tie H1 & H2.5 installation

Gutters & Downspouts

4" aluminum gutters, 2"–3" downspouts, fascia board as needed

Underground Pipe Extension

PVC/HDPE pipe to street from downspouts, French drain, or basement system

Exterior French Drain

Excavation to footings, HDPE pipe, tie-in to sump pump

Retaining Wall (Over 4')

Reinforced steel, solid-filled CMU with toe drainage

Water Management – Site Grading

Earthwork and fill to direct runoff away from home

Water Management – Hardscape

Reshape driveways, sidewalks, or patios for drainage

AC Condenser + Platform

Elevated energy-efficient condenser on code-compliant platform

Interior French Drain

Concrete cutting, excavation, 4" PVC, discharge extension

Sump Pump

New sump pit, sealed cover, check valve, discharge to exterior

Basement Waterproofing + Mold

Seal cracks, hydraulic cement, interior waterproof coating, mold removal

Boiler Replacement + Elevation

Energy efficient boiler elevated on CMU block above flood level

Furnace Replacement + Elevation

Energy efficient furnace elevated on CMU block above flood level

Electric Panel – Replace & Elevate

New service panel raised to greatest practical elevation

Note: Program costs are standardized and reviewed periodically. Permitting and design costs are included. Contact Ross House Lifting Inc. for current program details. View full program details →

Am I Eligible?

Eligibility Requirements

Here's what you need to qualify. Not sure? Give us a call — we'll help you figure it out.

Pathway 1 — Hazard Reduction

For homeowners seeking targeted repairs to reduce flood and storm risk.

✓ Own and live in the property
✓ Property in an eligible NJ county
✓ Single-family home, townhouse, modular, or manufactured home
✓ Household income under 120% of Area Median Income (HUD)
✓ Licensed contractor proposal submitted with application

Pathway 2 — Reconstruction

For homeowners or developers rebuilding high-risk properties.

✓ Own and live in property in eligible county
✓ Property demonstrably requires reconstruction due to hazard exposure
✓ Income under 120% of Area Median Income
✓ Completed home must be sold to low-to-moderate income buyer (developer track)
✓ Project completed within 36 months

Protect Your Home.Get Funded.