Official Site of The State of New Jersey
Administration of Affordable Units
The New Jersey Housing and Mortgage Finance Agency recently adopted revised Uniform Housing Affordability Controls (UHAC) pursuant to the Fair Housing Act. These rules are in effect as of November 6, 2025.
Full compilation of amended UHAC
2025 Appendix Documents:
Appendix A: Mandatory Deed Form for Ownership Units – PDF / Word
Appendix B: Mandatory Deed Form for Ownership of 95/5 Restricted Units – PDF / Word
Appendix C: Restrictive Covenant Required by N.J.A.C. 5:80-26.6(e) – PDF / Word
Appendix D-1: Mandatory Deed Form for Two-Family Affordable Homeownership Unit and Affordable Rental Unit – PDF / Word
Appendix D-2: Form of Recapture Mortgage Note for Two-Family Affordable Homeownership Unit and Affordable Rental Unit in Favor of State, Required by N.J.A.C. 5:80-26.6(d) – PDF / Word
Appendix D-3: Form of Certificate for Applicants Certified to Two-Family Affordable Housing Home-Ownership Unit and Affordable Rental Unit Required by N.J.A.C. 5:80-26.19(d)2 – PDF / Word
Appendix D-4: Restrictive Covenant for Two-Family Affordable Homeownership Unit and Affordable Rental Unit, Required by N.J.A.C. 5:80-26.6(e) – PDF / Word
Appendix E: Mandatory Deed Restriction for Rental Projects – PDF / Word
Appendix F-1: Form of Release for Restricted Ownership Units – PDF / Word
Appendix F-2: Form of Release for Restricted Rental Units – PDF / Word
Appendix G: Form of Note for Payment of Recapture Amount for a 95/5-Restricted Unit – PDF / Word
Appendix H: Form of Mortgage Securing Payment of Recapture Amount for a 95/5-Restricted Unit – PDF / Word
Appendix I: Form of HAS Municipal Agreement – PDF / Word
Appendix J: Form of Certificate for Applicants Certified to Ownership Unit, Required by N.J.A.C. 5:80-26.19(d)2 – PDF / Word
Appendix K: Form of Certificate for Applicants Certified to Rental Unit, Required by N.J.A.C. 5:80-26.19(d)2 – PDF / Word
Appendix L: Form of Recapture Mortgage Note in Favor of the State, Required by N.J.A.C. 5:80-26.6(d) – PDF / Word
Appendix M: Form of Mortgage Securing Payment of Recapture Note in Favor of the State, Required by N.J.A.C. 5:80-26.6(d) – PDF / Word
Appendix N: Form of Recapture Mortgage Note in Favor of Municipality, Required by N.J.A.C. 5:80-26.6(d) – PDF / Word
Appendix O: Form of Mortgage Securing Payment of Recapture Note in Favor of Municipality, Required by N.J.A.C. 5:80-26.6(d) – PDF / Word
Appendix P-1: Notice of Intent to Construct Affordable Deed-Restricted Ownership Units – PDF / Word
Appendix P-2: Notice of Intent to Construct/Rehabilitate Affordable Deed-Restricted Rental Units – PDF / Word
Appendix Q: Form of Mortgage Securing Payment of Recapture Note in Favor of the Agency, Required by N.J.A.C. 5:80-26.6(d) – PDF / Word
The Uniform Housing Affordability Controls (UHAC) govern the administration of affordable units and affordability controls for many affordable units in New Jersey. Please direct any questions to HMFA staff.