Down payment assistance in New Jersey

13 programs are listed for New Jersey: grants, forgivable loans and deferred seconds from state, county, city and lender and employer providers. Every amount and rule below comes from the provider’s published terms.

Statewide programs

• NJHMFA First-Time Smart Start
  0% 5-yr forgivable 2nd · Up to $15,000 · NJ Housing & Mortgage Finance Agency
• NJHMFA Smart Start Plus (First Gen)
  0% 5-yr forgivable 2nd · Amount varies by program · NJHMFA
• NJHMFA Homeward Bound
  0% forgivable 2nd · Up to $22,000 · NJHMFA
• NJHMFA PFRS Mortgage
  DPA via Smart Start · Amount varies by program · NJHMFA
• NJHMFA Down Payment Assistance Program
  forgivable_loan · Up to $15,000 · New Jersey Housing and Mortgage Finance Agency
• NJHMFA First-Generation Down Payment Assistance Program
  forgivable_loan · Up to $7,000 · New Jersey Housing and Mortgage Finance Agency
• NJHMFA HFA Advantage Mortgage Program
  below_market_rate · Amount varies by program · New Jersey Housing and Mortgage Finance Agency
• FHLBank New York Homebuyer Dream Program (HDP)
  grant · Up to $30,000 · Federal Home Loan Bank of New York (via member institutions)
• FHLBank New York HDP Plus
  grant · Up to $30,000 · Federal Home Loan Bank of New York (via member institutions)

County and city programs

• NJ Police and Firemen's Retirement System (PFRS) Mortgage Program
  below_market_rate · Amount varies by program · New Jersey Housing and Mortgage Finance Agency
• Bergen County American Dream Program
  deferred_loan · Up to $75,000 · Bergen County Department of Community Development
• Camden County First-Time Homebuyer Program
  forgivable_loan · Up to $25,000 · Camden County Office of Housing
• Live Newark Program
  forgivable_loan · Up to $25,000 · City of Newark Department of Economic and Housing Development

National programs

38 federal and national programs apply in every state. See the national programs.