New Jersey Housing and Mortgage Finance Agency

UNIAP - Application for Financing

What is UNIAP?

UNIAP is the Unified Application for HMFA Multifamily Rental Housing Production Programs. It is the one place to go to apply for: 

  1. Multifamily Financing Programs - (Three [3] complete sets required at submission)
  2. Low Income Housing Tax Credits - (One [1] electronic copy- see below instructions.) 
  3. Supported Housing and Special Needs Programs -  (Two [2] complete sets required at submission) 

Projects often require funding from more than one of the programs listed above. The UNIAP consolidates the application process across programs, in order to reduce the number of forms you need to fill out. 

Before Applying: Review the program information available on this website and the program guidelines within the UNIAP. Please contact the appropriate program staff, particularly if you are seeking Special Needs financing, for pre-application guidance and instructions. 

2021 Tax Credit Application Updates

9% Application Deadlines 
Family, Senior and Supportive Housing Cycles: Noon on August 31, 2021

Mixed Income Reserve: June 9, 2020 - August 31, 2021 (Rolling)

Submission Requirements
All 9% applications must be submitted electronically through LeapFile to the LIHTC mailbox ( by the deadline (noon on August 31). 

LeapFile instructions can be found on the LIHTC Resources and FAQs page

No paper applications will be accepted. Applications received without the $4,000 application fee shall be deemed incomplete and ineligible for credits.  

For wire payments, please contact Johanna Pena at

Please send check payments to:
New Jersey Housing and Mortgage Finance Agency
ATTN: Johanna Pena
Tax Credit Division
637 South Clinton Avenue
P.O. Box 18550
Trenton, NJ 08650

Underwriting Guidelines 
The underwriting guidelines shall be as follows: 
Equity Range 
No equity range will be established for the 2019 9% round. Applicants should underwrite at pricing based upon a commitment from their equity investor.  Applications without a firm commitment from an equity investor shall be underwritten at $.90. 
Applicable Percentage 

  1. 9.00% for the 70% present value credit 
  2. 4.00% for the 30% present value credit 

Average Income Set-Aside: 
Please be advised that 9% Applicants will NOT be permitted to underwrite assuming the new “Average Income” or “Income Averaging” federal minimum set-aside election in 2021 applications. 

All 2021 applicants must select either the 20% at 50% or 40% at 60% minimum set aside and adhere to current underwriting parameters (units underwritten above 60% of Area Median Income will be treated as market rate or unrestricted).  After award, owners should notify the Agency of any substantive changes to the project, including a requested change in minimum set aside by no later than carryover/ binding commitment. 

2021 UNIAP Documents

The 2021 UNIAP is now available. See below for Application, Guides and Worksheets. (You will need Microsoft Word and Excel installed on your computer to open the .doc and .xls files, respectively.) 


Contact the Tax Credit division by sending your written questions to the LIHTC mailbox

All questions and responses will be posted in the FAQs. Applicants are encouraged to check the FAQs  periodically for updates.