Find the money, then the home.
Answer the questions below and see your three strongest program matches with your county’s official limits. Then a member of the team takes it from there.
Which programs fit me?
Two minutes. We show your top three online and walk the full list with you by phone.
Programs worth knowing
Headline benefit and who it may fit. Full rules are at the official source and in the call.
NJHMFA Down Payment Assistance
May fit: First-time buyers using an NJHMFA mortgage
Up to $15,000 (by county) toward down payment and closing costs, forgiven after five years if eligible.
Official source: NJHMFA →NJHMFA First-Generation Down Payment Assistance
May fit: First-generation buyers
An extra $7,000 on top of NJHMFA assistance — up to $22,000 combined, if eligible.
Official source: NJHMFA →NJHMFA First-Time Homebuyer Mortgage
May fit: First-time buyers (and some Urban Target Area addresses)
A state-backed 30-year fixed mortgage that pairs with NJHMFA assistance.
Official source: NJHMFA →Trenton First-Time Homebuyer Program
May fit: First-time buyers purchasing in Trenton
Up to $15,000 toward an eligible Trenton purchase, subject to funding.
Official source: City of Trenton →Burlington County First-Time Homebuyer Program
May fit: First-time buyers in participating Burlington County towns
Up to $25,000 — down payment plus closing costs or a rate buydown, if eligible.
Official source: Burlington County Community Development →Camden County First-Time Home Buyer Program
May fit: First-time buyers in participating Camden County areas
Up to $25,000 in down-payment and closing-cost help, if eligible.
Official source: Camden County Community Development →FHLBNY Homebuyer Dream Wealth Builder
May fit: First-generation or eligible-tract households
Up to $30,000 through a participating lender while funds last, if eligible.
Official source: Federal Home Loan Bank of New York →VA Loan
May fit: Veterans and eligible service members
No down payment and no monthly mortgage insurance for eligible borrowers.
Official source: U.S. Department of Veterans Affairs →NACA Purchase Program
May fit: Buyers who complete NACA counseling
No down payment, no closing costs and no credit-score requirement, subject to NACA qualification.
Official source: NACA →USDA Section 502 Loans
May fit: Income-qualified buyers in eligible rural areas
Up to 100% financing for an eligible primary residence.
Official source: USDA Rural Development →FHA 203(k) Renovation Loans
May fit: Buyers planning repairs
Purchase and renovation costs in one FHA mortgage (limited or standard).
Official source: HUD through FHA lenders →HUD Good Neighbor Next Door
May fit: Law enforcement, teachers, firefighters, EMTs
Selected HUD homes at a 50% discount with an occupancy commitment.
Official source: HUD →NJHMFA Urban Target Area
May fit: Buyers considering a qualifying address
Certain addresses carry different limits or a first-time-buyer exception.
Official source: NJHMFA →