"I can't afford a down payment."
Many programs offer up to $15,000 or more in down payment assistance, often as forgivable loans.
"My credit isn't perfect."
FHA loans and state programs often have more flexible credit requirements than conventional loans.
"I don't know where to start."
This guide breaks down everything by county and program type, giving you a clear roadmap.
You CAN Buy a Home in New Jersey
For many aspiring homeowners in New Jersey, the dream of owning a home can feel out of reach. The belief that you need a massive down payment or that you won't qualify for a mortgage are common misconceptions.
This guide is designed to solve those pain points by shedding light on the multitude of federal, state, and local programs available to help first-time homebuyers. You may be surprised to discover that a lack of substantial cash on hand doesn't have to be a barrier to homeownership.
What You'll Find Inside
- • Comprehensive breakdown of NJHMFA statewide programs
- • County-specific grants for Middlesex and surrounding areas
- • Interactive eligibility quiz to check your status
- • Step-by-step application guide
Disclaimer: Programs Change.
This guide shows what might be possible. The information provided is for informational purposes only and is subject to change without notice. All programs have specific eligibility requirements, and this guide does not constitute financial or legal advice. Please consult with a qualified professional for the most up-to-date information.