We're experts in providing exclusive NJHMFA mortgage programs and down payment assistance to first-time homebuyers across all New Jersey counties. Curious about how the NJHMFA Down Payment Assistance Program could help you? You might be eligible for up to $22,000 towards your cash to close.
New Jersey Grants
NJHMFA Down Payment Assistance Program
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Minimum 620 Credit Score
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Conventional, FHA, VA, or USDA Loans
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Compliance with NJHMFA household income and purchase price limits
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Must be a first-time homebuyer
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Must be owner occupied
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Income limitations
First Generation Homebuyer Program
To build upon the NJHMFA Down Payment Assistance Program, the First Generation Homebuyer Program extends an extra $7,000 in support for qualifying first-time homebuyers who are breaking new ground as the first in their family to own a home. This means you could receive a total assistance of $22,000. To be eligible, applicants must satisfy the criteria for both programs.
Participating NJHMFA Gold Counties Gold Counties: $22,000
- Morris County
- Hunterdon County
- Somerset County
- Mercer County
- Passaic County
- Bergen County
- Essex County
- Hudson County
- Union County
- Middlsex County
- Monmouth County
- Ocean County
Participating NJHMFA Blue Counties Blue Counties: $17,000
- Sussex County
- Warren County
- Burlington County
- Camden County
- Gloucester County
- Salem County
- Atlantic County
- Cumberland County
- Cape May County