New Jersey program
New Jersey route through New Jersey Housing and Mortgage Finance Agency. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
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Up to $15,000 toward down payment and/or closing costs based on county, when coupled with the NJHMFA first mortgage; the same fact sheet shows some counties at $10,000.
Fixed-rate first mortgage with optional forgivable second-loan assistance
The DPA is interest-free with no monthly payment and is forgiven after 5 years if the borrower continuously occupies the home as a principal residence and does not refinance or otherwise convey the first mortgage.
Unknown
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
First-time homebuyers, Qualified veterans, Buyers in Urban Target Areas
Up to $15,000 toward down payment and/or closing costs based on county, when coupled with the NJHMFA first mortgage; the same fact sheet shows some counties at $10,000.
The DPA is interest-free with no monthly payment and is forgiven after 5 years if the borrower continuously occupies the home as a principal residence and does not refinance or otherwise convey the first mortgage.
Apply through a participating NJHMFA lender; the fact sheet directs borrowers to theroadhomenj.com for the lender list.
NJHMFA offers a 30-year fixed-rate mortgage with optional down payment assistance that can be forgiven after five years when occupancy and mortgage conditions are met.
2026-04-19
2025-07-28
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Amount: Up to $15,000 toward down payment and/or closing costs based on county, when coupled with the NJHMFA first mortgage; the same fact sheet shows some counties at $10,000.
Repayment: The DPA is interest-free with no monthly payment and is forgiven after 5 years if the borrower continuously occupies the home as a principal residence and does not refinance or otherwise convey the first mortgage.
First-time buyer: Unknown
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Paid research already tracks city and county programs, employer-assisted paths, public employee or pension paths, specialty and conditional paths for New Jersey.
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Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
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