New Jersey • First-Time Homeowner programs
First-Time Homeowner grants in New Jersey
Browse first-time homeowner grants available in New Jersey, including statewide and local programs.
9 active programs in New Jersey
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Monmouth County Planning Board – Division of HousingNJFirst-Time HomeownerMonmouth County down payment and closing cost assistance administered as a county housing program, typically delivered as a deferred or forgivable second mortgage for eligible low and moderate income first time buyers.
Updated: Dec 6, 2025
County-based assistance for first-time buyers in Monmouth County, helping with upfront purchase costs to increase access to homeownership.
Eligible for: First-time homebuyers in Monmouth County, NJ, meeting income/purchase price limits and completing homebuyer education; property must be owne…
City of Perth Amboy – Housing & Community Development DepartmentNJFirst-Time HomeownerCity of Perth Amboy municipal down payment and closing cost assistance typically structured as a subordinate deferred or forgivable loan tied to owner occupancy requirements for first time buyers.
Updated: Dec 6, 2025
Municipal down payment assistance for eligible first-time buyers in Perth Amboy, helping bridge the upfront cost to ownership.
Eligible for: First-time homebuyers purchasing in the City of Perth Amboy; must meet income/purchase price limits and complete homebuyer education; proper…
Camden County Division of Housing Services / Camden County Improvement AuthorityNJFirst-Time HomeownerCamden County zero percent interest non amortizing second mortgage that provides deferred and forgivable assistance loans for down payment and closing costs for eligible first time buyers.
Updated: Dec 6, 2025
County-level homebuyer assistance for first-time buyers to cover down payment and/or closing costs, promoting affordable ownership in Camden County.
Eligible for: First-time homebuyers in Camden County (outside certain boroughs) meeting income and purchase price limits, must attend homebuyer education,…
New Jersey Community Capital (NJCC)NJFirst-Time HomeownerNew Jersey Community Capital statewide down payment and closing cost assistance structured as a recoverable, forgivable grant of ten thousand to thirty thousand dollars that is fully forgiven after five years of continuous owner occupancy.
Updated: Dec 6, 2025
Statewide down payment/closing cost assistance program offering large grants for eligible New Jersey homebuyers, complementing other state or local programs.
Eligible for: Eligible homebuyers purchasing a primary residence in New Jersey (1–4 family). Income at or below 100% HUD AMI by county, must complete HUD-…
Gloucester County Office of Housing & Community DevelopmentNJFirst-Time HomeownerGloucester County zero percent interest deferred payment second mortgage that provides up to twenty five thousand dollars for closing costs and down payment, forgiven after a required period of owner occupancy.
Updated: Dec 6, 2025
County-wide down payment / closing cost assistance helping renters with incomes to make the leap to homeownership.
Eligible for: Low- and moderate-income first-time homebuyers (no home ownership in last 3 years) within Gloucester County, NJ; must complete HUD-approved …
NJ 2‑1‑1 PartnershipNJFirst-Time HomeownerStatewide online resource directory maintained by the NJ 2-1-1 Partnership that connects prospective homebuyers with local down payment, closing cost, and other homeownership assistance programs rather than providing direct grant funding itself.
Updated: Dec 6, 2025
A state-wide resource listing via NJ 2-1-1 connecting homebuyers to local down payment & closing cost assistance programs in New Jersey.
Eligible for: First-time or income-eligible homebuyers in New Jersey directed to local assistance resources via NJ 2-1-1 directory.
City of Trenton Housing & Community Dev.NJFirst-Time HomeownerMunicipal first-time homebuyer assistance program that provides substantial down payment and closing cost support through a deferred or forgivable second mortgage for eligible buyers purchasing in Trenton.
Updated: Dec 6, 2025
Municipal program providing substantial assistance to first-time buyers in Trenton to reduce barriers and promote homeownership in the community.
Eligible for: First-time homebuyers purchasing in Trenton, NJ, meeting income/purchase-price limits, attend homebuyer education and use approved lender.
Federal Home Loan Bank of New YorkNJFirst-Time HomeownerFederal Home Loan Bank of New York grant suite delivered through member banks and credit unions that provides non-repayable funds for down payment, closing costs, and homebuyer education, with enhanced funding available through a layered HDP Plus option.
Updated: Dec 6, 2025
Up to $30K (or $60K layered) in grant funding for down payment and closing cost assistance, specifically tailored for first-time buyers in NY/NJ region.
Eligible for: First-time homebuyers in the FHLBNY district (New York & New Jersey) earning up to 80% AMI (or 120% for HDP Plus), must complete homebuyer c…
New Jersey Housing and Mortgage Finance AgencyNJFirst-Time HomeownerStatewide New Jersey Housing and Mortgage Finance Agency (NJHMFA) program that pairs a 30-year fixed-rate first mortgage with an interest-free, five-year forgivable down payment assistance second loan and an optional First Generation assistance layer for eligible buyers.
Updated: Dec 6, 2025
The NJHMFA provides low-interest 30-year fixed mortgage loans paired with down payment or closing cost assistance for qualified first-time buyers across New Jersey.
Eligible for: First-time homebuyers (no ownership in past 3 years) in New Jersey, must use approved NJHMFA first mortgage and meet income & purchase-price…