Program guide
What to know before you click through
This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.
Who qualifies?
First-time homebuyers or buyers who have not owned a home during the previous three years, Households at or below 80% of area median income, Buyers purchasing a home in the City of Trenton as a principal residence, Borrowers able to qualify for a fixed-rate first mortgage, Buyers who complete HUD-certified homebuyer counseling
What support do you get?
Current Trenton materials describe $1,000 to $15,000 in 0% assistance for down payment, closing costs, and principal write-down for eligible home purchases in the City of Trenton.
Do you repay it?
Current Trenton materials say the assistance carries 0% interest and that assistance below $15,000 uses a 5-year owner-occupancy period and is forgiven after that period if the buyer remains in the home. The current city page does not publish one fuller early-sale or move-out recapture formula, so the public page should note that the exact acceleration rule is not fully specified in the live consumer materials.
How do you apply?
Complete HUD-certified counseling, download the city application package, get a property under contract, and submit the full application and supporting documents to Trenton's CDBG or HOME staff. The city says funding is first come, first served and may close when the annual budget is exhausted.
Official source evidence
Trenton's current program page says first-time buyers may receive $1,000 to $15,000 at 0% interest for down payment, closing costs, and principal write-down. The same page says funding is first come, first served and the 2025 Annual Action Plan keeps the program funded through June 30, 2026.
View official source
Last verified
2026-04-21
2025 Annual Action Plan target date 2026-06-30; current city page rechecked 2026-04-21
Paid preview
What paid access adds for Trenton First-Time Homebuyer Program
See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.
Example paid output for this program. The free page stays visible either way.
Comparison preview
Trenton First-Time Homebuyer Program
Amount: Current Trenton materials describe $1,000 to $15,000 in 0% assistance for down payment, closing costs, and principal write-down for eligible home purchases in the City of Trenton.
Repayment: Current Trenton materials say the assistance carries 0% interest and that assistance below $15,000 uses a 5-year owner-occupancy period and is forgiven after that period if the buyer remains in the home. The current city page does not publish one fuller early-sale or move-out recapture formula, so the public page should note that the exact acceleration rule is not fully specified in the live consumer materials.
First-time buyer: Required
Risk checks preview
What gets flagged before you call a lender
- Trenton First-Time Homebuyer Program must be paired with a specific first mortgage.
- Trenton First-Time Homebuyer Program can trigger repayment on sale or refinance.
Lender questions preview
Questions tied to this exact path
- Which first-mortgage product must be paired with Trenton First-Time Homebuyer Program, and what breaks eligibility?
- Which events trigger repayment for Trenton First-Time Homebuyer Program: sale?
Action checklist preview
What you would do next
- Confirm the first-time buyer definition before you apply
- Review the official Program page for Trenton First-Time Homebuyer Program
