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CHIP Partners

Camden Home Improvement Program (CHIP)
"Improving Homes, Improving Lives"
CHIP Information Hotline: (856) 757-9422
(Si necesita esta información en español presioné aquí.)

What is CHIP?

The Camden Home Improvement Program (CHIP) provides housing rehabilitation assistance to Camden’s homeowners. Thanks to the support of the Camden Economic Recovery Board, the NJ Department of Community Affairs and the City of Camden, CHIP offers forgivable loans of up to $20,000 to eligible Camden homeowners to fund essential repair and rehabilitation costs. Cooper's Ferry Development Association, (CFDA) and Scungio Borst & Associates (SBA) are managing the CHIP on behalf of the New Jersey Housing and Mortgage Finance Agency (NJHMFA), and in partnership with Camden Churches Organized for People (CCOP).

What Types of Improvements Does CHIP Cover?

The goal of CHIP is to give as many homeowners as possible the resources to make essential repairs, rather than give a few homeowners an “extreme makeover”. So, priority eligible repairs include:

  • Life Safety improvements, which insure the ongoing safety of the occupants, such as fire, access, electrical, gas and plumbing. These repairs take priority.
  • Building systems such as water, sewer, heating, ventilation, required for occupancy.
  • Weatherization repairs designed to prevent future deterioration of your home, such as roofing, windows, doors and waterproofing.
  • Exterior improvements to enhance the visual impact of the neighborhood.

Who is Eligible?

Determining if you are eligible to apply for CHIP is a two-step process.

Step 1:

First, make sure that your neighborhood is currently participating. The CHIP has now entered Phase II, which covers the US Census tracts of:

  • Bergen Square (6004)
  • Cooper Point (6007)
  • Pyne Point (6008)
  • Cramer Hill/Pavonia (6009)
  • Stockton (6012)
  • Marlton (6013)

Please click on the map for a closer look at the eligible Camden neighborhoods.

If you still do not know what census tract your home is located, click the below link and enter your street address where indicated. The database will identify your census tract by number.

Find Your Census Tract in the US Census Database.

Your neighborhood is eligible if that number is
6004, 6007, 6008, 6009, 6012 or 6013.

Step 2:

Besides being in an eligible Phase II project area, you must satisfy all of the following requirements:

  • Be 18 years old or over;
  • Own and occupy the home as your primary residence for at least the last three (3) years;
  • Plan to stay in your home for a minimum of five (5) years after receiving the loan;
  • Be current on municipal taxes, CCMUA, and water bills on the home;
  • Have a household income that is less than or equal to 80% of the median area income (see chart below.)
CHIP Income Limits
Total Number of People in Household (including self) Max. Household Income (80% of Area Median*)
1$ 41,608 or less
2$ 47,552 or less
3$ 53,496 or less
4$ 59,440 or less
5$ 64,195 or less
6$ 68,950 or less
7$ 73,705 or less
8$ 78,460 or less
*2008 Council on Affordable Housing Regional Income Limit Guidelines for Camden County

How Does the Loan Work?

CHIP loans for Phase II are forgivable over five years. This means that you don’t have to pay anything back at all if you continue to own and live in your home for five years after receiving the loan. If you sell your home within one year, you will have to repay the loan in full. If you sell within two years, you will owe 80% of the loan amount; within three years, you will owe 60%, and so forth.

How Do I Apply?

If you think you are eligible and you live in a Phase II neighborhood, you should submit an application. There are two steps to the application process, Part I and Part II. Part I is a basic form that determines your eligibility for the program.


(you will need Adobe Acrobat Reader to view this PDF. It can be downloaded free at

Please deliver completed Part I applications by mail or in-person to:
Cooper's Ferry Development Association
Cooper's Ferry Development Association
2 Riverside Drive, Suite #501
Camden, NJ 08102

Cooper's Ferry is located in One Port Center, immediately across from the Aquarium stop of the the RiverLine Light Rail in Camden. One Port Center is ADA-accessible

The Part I application deadline is Friday, October 24, 2008.

After you submit Part I application, CHIP will determine if you are eligible and your name is then entered into a random lottery system*. If your name is selected, you can be contacted to begin Part II of the Application. This requires you to submit the following documents to verify all of the eligibility criteria: your driver’s license or proof of reidence, social security card, deed, federal tax returns for past three years, CCMUA bills, water bills, property tax bills, mortgage statement, home insurance policy and all income documentation for household members ages 18 and over.

*There are a limited number of loans available for each neighborhood. If you are not initially selected for a loan, your name will be placed on a waiting list.

What Homeowners Are Saying About CHIP!

“This is an excellent program.” – Whitman Park resident

“You gave us the opportunity to improve our homes through a grant, where we wouldn’t have been able to afford it otherwise! Thank you so much for the opportunity. . . I’m very happy and satisfied with the program and would refer other people…It made a HUGE difference!” – Rosedale resident

“Some of the most important jobs were accomplished that I could not afford anytime in the near future. Thank you for treating me as if I were a paying client. No one made me feel as if the work was a charitable effort.” – Dudley resident

“We were very satisfied with all the work that everyone did, and we thank Cooper’s Ferry for all that they did.” – Beideman resident

“The new windows, the doors, the new concrete curb, everything! Where do I begin? Great people, Great job, Perfect fit!” – Rosedale resident

“It gives me joy to see work being done in my home that I couldn’t afford to do myself.” – Whitman Park resident

Please Attend a CHIP Information Session

These Sessions are free & open to all residents seeking information about CHIP and their elibility for the program.

Bergen Square
Tuesday, October 7, 2008: 7:00-8:00pm
St. Bartholomew’s Roman Catholic Church
751 Kaighn Avenue
Camden, NJ 08103

Cooper Point/Pyne Point
Wednesday, October 8, 2008: 7:00-8:00pm
Camden Bible Tabernacle 823-25 Elm Street
Camden, NJ 08102

Cramer Hill/Pavonia
Tuesday, October 14, 2008: 7:00-8:00pm
Christus Lutheran Church
909 N. 26th Street
Camden, NJ 08105

Wednesday, October 15, 2008: 7:00-8:00pm
St. Joseph's Pro-Cathedral
2907 Federal Street
Camden, NJ 08105

For more information,
please call the CHIP Hotline at (856) 757-9422

Camden Home Improvement Program Partners

CHIP is made possible with generous support from the following organizations

  • Camden Churches Organized for People
  • Camden Community Development Association
  • City of Camden
  • Cooper’s Ferry Development Association
  • NJ Department of Community Affairs
  • NJ Economic Development Authority/Economic Recovery Board for Camden
  • NJ Housing and Mortgage Finance Agency
  • Scungio Borst and Associates