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Rental and housing assistance in New Jersey.

The state of New Jersey offers qualified residents support from several rental and housing assistance programs. The goal is to prevent homelessness in the community, help people find safe and affordable housing to live in, pay for security deposits, and assist with any rent or other unforeseen housing issues.

The New Jersey Department of Community Affairs (phone number below) administers various programs of their own, and they also partner with various local non-profit organizations and charities across the state. A number of programs prevent homelessness. Based on the applicant's situation, they can help pay rent and help people find low income, permanent, and stable housing. Some of the resources include the Section 8 Housing Choice Voucher Program, Homelessness Prevention Program (HPP), as well as the State Rental Assistance Program (SRAP).

New Jersey Homelessness Prevention – This program can offer limited amounts of cash grants and financial assistance to qualified low- and moderate-income tenants who are in danger of eviction. In addition, some support can even be provided for homeowners who are faced with a foreclosure. Assistance is targeted at those who are faced with a crisis or who are faced with temporary financial problems beyond their control.

Funds from the homeless prevention program are to be used to disburse payments in the forms of grants or low interest loans. Any money paid out is made directly to banks, mortgage servicers, or landlords and other eligible households who are in danger of homelessness.

Section 8 Housing Choice Voucher – A federal government funded program that can also help low income New Jersey families. The voucher program assists in making quality and safe housing in the private rental market affordable to low income households. It will put into place a maximum amount that people need to pay towards their housing and rent costs.

It also addresses administrative burdens. It also can reduce housing costs and rent expenses faced by clients through direct subsidy payments to landlords. So this will also save money for the New Jersey family.




State of New Jersey Rental Assistance Program – This state created and funded program provides both project-based as well as tenant-based rental assistance grants and security deposits to the low income. the client needs to have a source of income but meet certain low income guidelines.

Family Self-Sufficiency – If you apply for and/or are accepted into a housing assistance program, this service builds long term self-sufficiency. As the goal of any assistance program from the Department of Community Affairs is to eventually help people get back on track with their lives.

So this service assists families and individuals who are participants in the Section 8 Housing Choice Voucher Program or other New Jersey housing programs. It will help them become self-reliant, increase their income and otherwise become self-sufficient through the implementation of a jointly developed action plan.

Qualified parties are found by using the same guidelines as the Section 8 Certificate and Housing Voucher Programs. Emergency rental assistance is provided to low income, elderly, and other families who agree to participate in a series of career counseling, job training, education or social service programs, credit repair, and more. In connection with this self-sufficiency program, additional financial assistance is also provided by the Department of Human Services in New Jersey.

Shelter Housing Exit Program (SHE) - Victims of domestic violence and their children who need assistance can benefit from this resource. Help is offered for people who are currently in living transitional housing facilities, low income housing or shelters. The Shelter Exit Program can provide rental assistance and funds for a portion of security deposits as well.







Section 8 Homeownership Program – This is a twist of the Housing Choice Voucher. The program will offer help in that funds that are currently used towards rental or housing payments will be applied towards homeownership expenses. The government money can be used for paying principal and interest on mortgage debt, property taxes, insurance, utilities, heating bills and other various homeownership expenses.

To learn more about the rent assistance programs, low income housing, or other resources call the Department of Community Affairs at (609) 633-0973.

By Jon McNamara

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