Is there an income limit?

Yes. The listed income limit is PFRS member income limits.

What credit score does NJHMFA PFRS Mortgage list?

The listed minimum credit score is 620.

NJHMFA PFRS Mortgage

NJHMFA PFRS Mortgage is a dpa via smart start from NJHMFA. Available statewide in New Jersey. Income limit: PFRS member income limits.

Amount varies by program

Listed as open as of May 2026

Available statewide in New Jersey.

Income limit	PFRS member income limits
Minimum credit score	620
Maximum DTI	50%
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	NJ Police & Firemen Retirement System members
Property types	1-4 family, condo, townhome
Occupancy	Owner-occupied primary
Eligible loan products	FHA/Conv
Sales price cap	Up to $766,550
Repayment	Per Smart Start
Stacking	Stacks with Smart Start

Source NJHMFA·official program page·Listed May 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: NJHMFA · program details at the provider’s site.

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