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.
The victim was not seriously injured.
Salas was arrested and charged around 7:30 p.m. Monday night.
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