David Salas faces eight charges, including trespassing, grand larceny and sexual abuse stemming from last Thursday's attack.
Officials say the 73-year-old victim woke up in her home in the Morris Park section with Salas on top of her.
The attacker then fled with her bank card and pin number.
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The victim was not seriously injured.
Salas was arrested and charged around 7:30 p.m. Monday night.
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