Run the numbers, then get your questions answered
The monthly math, what it takes to keep the home, and plain answers to the questions New Jersey buyers ask most.
What would a month cost?
Price, down payment, rate, taxes and insurance — an estimate you control. Nothing is saved.
Estimated monthly housing cost
$0 / mo
Estimate only, on the numbers you enter (30-year fixed). Not a rate quote or approval — a licensed lender confirms your numbers.
Can I keep the home after I buy it?
Qualifying for a loan and living comfortably are two different questions. Budget for all of it.
PITI
Principal, interest, taxes and insurance — the core monthly payment.
Utilities and HOA
Heat, electric, water, sewer, trash and any condo or HOA fee.
Upkeep and reserves
A monthly amount for roofs, heating systems and appliances, plus an emergency fund.
Programs that help you keep the home
ANCHOR property tax relief
A New Jersey property tax relief benefit for qualifying homeowners and renters.
More information →Senior Freeze
Reimburses qualifying homeowners for property tax increases above a base year.
More information →Utility assistance and weatherization
State and utility programs for heating, cooling, arrears and efficiency.
More information →Foreclosure-prevention counseling
Free or low-cost HUD-approved counseling for homeowners who fall behind.
More information →New Jersey homebuyer questions, answered plainly
How much down payment help can I get in New Jersey?
Do I have to be a first-time buyer?
What counts as a first-generation buyer?
Do I need 20% down to buy a home?
What credit score do I need?
Does using the program matcher affect my credit?
How much does a home really cost each month?
Can I buy a home that needs work?
Are the rent and ARV numbers on your listings guaranteed?
How long does it take to close?
Do you help sellers who also need to buy?
Which areas do you serve?
Is NJ Capital Realty a lender?
What happens after I submit a form?
Programs worth knowing
Name, headline benefit and who it may fit. The call is where it becomes your plan.
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 →