Housing Services

Our Housing Services enable low and moderate-income households to access heating and cooling services and improve energy efficiency, and individuals and families to maintain safe, affordable residences


  • Housing Coalition of Central Jersey (HCCJ)

    Middlesex County residents receive housing services to ensure they maintain safe, affordable residences, including homebuyer education & counseling, fair housing counseling, mortgage assistance, foreclosure mediation, mortgage counseling, and homelessness prevention. HCCJ is a HUD-certified housing counseling program.

    José Carrero
    Housing Coalition of Central Jersey
    (732) 249–9700


    Housing Coalition increases first-time homeownership

    Low–and moderate–income households receive counseling on becoming first-time homebuyers, partnering with local lenders who help them save toward a down payment and closing costs; and on the American Dream Down Payment Initiative (ADDI) program to assist them in purchasing homes in 23 Middlesex County municipalities.


    Housing Coalition prevents foreclosures

    Homeowners faced with mortgage delinquency and default receive counseling to determine the reasons for delinquency, and explore options to avoid foreclosure, including mortgage modification, mortgage assistance, and asset preservation.


    Housing Coalition helps resolve landlord-tenant disputes

    Landlords and tenants receive information on their rights and responsibilities, and tenants who are summoned to court receive assistance with state, county, or local intervention.


    Housing Coalition helps end tenant housing discrimination

    Victims of housing discrimination receive support in complaint investigation, advocacy (when appropriate), case preparation, and filing with the US Department of Housing and Urban Development (HUD), New Jersey Division of Civil Rights, or with private attorneys.


    Housing Coalition secures stable tenant residences

    Individuals and families who are homeless, housed in substandard conditions, or are at risk of losing their housing through eviction or foreclosure receive assistance in considering options, completing applications for subsidized housing, and locating financial resources for rent, security, and utility deposits.


    To receive Housing Coalition services, you must:


    For First Time Homebuyer

    • Have purchased your home in Middlesex County or certain areas of Somerset County


    For the American Dream Down Payment Initiative (ADDI) Grant

    • Be a first-time homebuyer, and an existing Middlesex County resident for at least one year
    • Complete an in-person, group homebuyer training course offered by a HUD approved housing counseling agency (The class must be completed prior to the closing)
    • Purchase a single family property only
    • Eligible properties are detached homes, townhouses, condos, and co-ops
    • The purchase price cannot exceed four times the certified income level of the household, with an overall maximum of $295,000
    • The property may be located in any Middlesex County municipality, except New Brunswick and Perth Amboy
    • Have a mortgage pre-approval issued within the previous 2 months


    For Homekeeper/Homesaver

    • Be a New Jersey homeowner at risk of foreclosure through no fault of your own
    • Own only one residential home (one, two, or three-units), and currently reside in that home
    • Have suffered a qualifying involuntary financial hardship that caused or will cause you to fall behind on your mortgage payment
    • Hardships that may qualify you for assistance include:
    • An involuntary loss of employment income OR
    • A reduction in household income due to underemployment or other demonstrated financial hardships, including medical, divorce, disability or death


    For Foreclosure/Default Counseling

    • Own only a home in Middlesex County or certain areas of Somerset County


    For Landlord/Tenant Counseling

    • Reside only in Middlesex County or certain areas of Somerset County
  • Home Energy Assistance Programs

    Eligible Middlesex County households receive benefits toward lowering their energy costs, depending upon their energy burden, and based on their annual income.

    Saquette Neal
    Home Energy Assistance Program
    (732) 828-4510


    Low-Income Home Energy Assistance Program (LIHEAP) / Universal Service Fund (USF)

    LIHEAP/USF helps Middlesex County households with gas & electric utility bills

    Eligible low income Middlesex County households receive a LIHEAP benefit toward lowering their heating and electric bills. Those who have a medical need may also receive a cooling assistance benefit toward during the summer months. Through USF, households may also receive monthly credits on gas or electric utility bills based upon their energy burden.



    Submit the LIHEAP Application (between October 1 and August 31) or the USF Application (anytime throughout the year), and the required documents. Please view the income table below to see whether you are eligible to receive services.

    • Via US Mail to 90 Jersey Avenue, New Brunswick, NJ 08901
    • In person at our New Brunswick, Perth Amboy, or Carteret offices
    • (off-site) Attend an outreach event or intake session, and provide documentation directly to our representative



    Please download these instructions for information on how to apply. Please view the income table below to see whether you are eligible to receive services.




    (Managed by our Multi Service Center/Outreach Team)

    PAGE helps PSE&G customers with electric & natural gas bills

    Those who are struggling to pay their utilities, and are over the low-income threshold for the LIHEAP/USF programs, may qualify for PAGE. The maximum Payment Assistance for Gas and Electric (PAGE) grant is $1,400 (depending on the balance owed).


    To receive PAGE services, you must:To receive PAGE services, you must:
  • Weatherization Assistance Program (WAP)

    Eligible Middlesex and Mercer County residents reduce their energy costs through the increased energy efficiency of their homes, while ensuring their health and safety. On average, annual energy costs after undergoing weatherization may be reduced by $437, according to the US Department of Energy.

    Haydee Segura
    Weatherization Assistance Program
    90 Jersey Avenue
    (732) 828-4672


    Weatherization helps Middlesex County households reduce their energy costs

    Eligible Middlesex County households are visited by our professionally trained crews, who use advanced diagnostic equipment to perform computerized energy audits on residential homes, as well as health and safety tests. In the process, they maximize and determine the most appropriate cost–effective, efficiency measures for the homes. Households ultimately alleviate their heavy energy burden, and experience savings toward becoming self-sufficient.


    Weatherization provides appropriate cost-effective measures to Middlesex County households

    Eligible Middlesex County households receive many of the following weatherization services, based on the specific assessments and health and safety tests conducted in the homes:

    • Repair, caulk, and weather-strip windows and doors
    • Wrap hot water tanks and pipes with insulation
    • Stop drafts by sealing areas of air infiltration
    • Install low flow showerheads and faucet aerators
    • Clean, tune, and make minor repairs to heating systems
    • Test heating units and appliances for combustion safety, carbon monoxide, and gas leaks
    • Assess moisture damage, check electrical system safety
    • Install smoke and carbon monoxide detectors
    • Make major repairs or replace heating and cooling entire systems
    • Insulate attics, walls, and floors
    • Replace light bulbs with high efficient CFLs
    • Provide instruction on simple techniques that may help save on household energy bills


    • Review and follow the Weatherization Assistance Program Information and the income eligibility chart below
    • Submit the WAP Application and the required documents
    • Via US Mail to 90 Jersey Avenue, New Brunswick, NJ 08901
    • In person at our New Brunswick office (We accept walk-ins; no appointments needed)


PRAB serves everyone regardless of age, race, creed, color, national origin, ancestry, familial status, gender, sexual orientation, or functional impairment. We also serve as a voice to ensure equity & access to community resources and benefits for all people groups and communities in Central New Jersey.


See Housing Services Related News
See Housing Services Related Events

Henry Gorman
Senior Director, Family & Housing Services
(732) 828-4510


Gloria Meléndez
Housing Services
(732) 249–9700


Haydee Segura
Weatherization Assistance Program (WAP)
(732) 828-4672