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New Jersey First-Time Homebuyer Mortgage Program is sponsored by New Jersey Housing and Mortgage Finance Agency (NJHMFA). This program provides qualified New Jersey first-time homebuyers with a competitive 30-year, fixed-rate government-insured loan (FHA/VA/USDA) originated through an NJHMFA participating lender. It can be combined with the NJHMFA Down Payment Assistance Program.
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New Jersey Housing and Mortgage Finance Agency | Loan Products Fact Sheets and Materials New Jersey Housing and Mortgage Finance Agency Loan Products Fact Sheets and Materials Buying a home is a big step and it can be hard to know where to start. New Jersey Housing and Mortgage Finance Agency (NJHMFA) provides a variety of programs to assist prospective homebuyers.
NJHMFA is happy to offer step-by-step guidance and accessible tools to enable you to make the right home purchase decision. To get acquainted with the homebuying process, you can access The Road Home New Jersey: A Guide for the New Jersey Homebuyer , to help you navigate your way to affordable homeownership. The guide is also available in Spanish .
If you are ready to get in touch with an NJHMFA approved lender, fill out our request form and we'll pair you with up to three lenders in your area. NJHMFA Down Payment Assistance Program The NJHMFA state-wide Down Payment Assistance Program (DPA) provides up to $15,000 based upon the county of the property being purchased.
The NJHMFA DPA is for qualified first-time homebuyers to use as down payment and closing cost assistance when purchasing a home in New Jersey. The DPA is an interest-free, five-year forgivable second loan with no monthly payment To participate in this program, the DPA must be paired with an NJHMFA first mortgage loan.
The first mortgage loan is a competitive 30-year, fixed-rate government-insured loan (FHA/VA/USDA), originated through an NJHMFA participating lender. Certain restrictions such as maximum household income and purchase price limits apply. For more information, contact an NJHMFA participating lender below.
Do I Qualify for This Program? Are you a first-time homebuyer? You're considered a first-time homebuyer if you have not owned a home within the previous three years.
Are you planning to purchase a home in New Jersey? This program applies to homes to be used as a primary residence in any New Jersey county. Fill out our Participating Lenders form to be paired with an NJHMFA lender partner!
First Generation Down Payment Assistance Program The NJHMFA First Generation Down Payment Assistance Program provides $7,000 of down payment and closing cost assistance. This is offered in addition to the NJHMFA DPA award for first-time buyers providing a total assistance of $17,000 to $22,000. The NJHMFA First Generation Down Payment Assistance Program is for qualified first-time homebuyers who are also first-generation homebuyers.
The assistance is provided as an interest-free, five-year forgivable second loan with no monthly payment.
A first-generation homebuyer is defined as a first-time homebuyer who also is either: whose parents or legal guardians do not have any present ownership interest in any residential real property in any state or territory of the United States, or outside of the United States; and whose spouse, or domestic partner, and each member of whose household has not, during the 3-year period ending upon acquisition of the eligible home to be acquired using such assistance, had any present ownership interest in any residential real property used as their principal residence in any state or territory of the United States, or outside of the United States; b.
an individual who has at any time been placed in foster care in the State of New Jersey. The First Generation Down Payment Assistance Program must be paired with an NJHMFA first mortgage loan. The first mortgage loan is a competitive 30-year, fixed-rate loan, originated through an NJHMFA participating lender.
Certain restrictions such as maximum household income and purchase price limits apply. For more information, contact an NJHMFA participating lender below. Further details available on the Smart Start Plus First-Generation Home Buyer Program Fact Sheet Smart Start Plus First-Generation Home Buyer Program Fact Sheet in Spanish Fill out our Participating Lenders form to be paired with an NJHMFA lender partner!
HFA Advantage Mortgage Program The New Jersey Housing and Mortgage Finance Agency's (NJHMFA) HFA Advantage Mortgage Program provides a 30-year, fixed-rate conventional loan for eligible homebuyers purchasing a home in New Jersey. The HFA Advantage Mortgage Program offers affordable mortgage insurance and low down-payment and can be coupled with the NJHMFA Down Payment Assistance (DPA).
Further details available on the HFA Advantage Consumer Fact Sheet Fill out our Participating Lender form to be paired with an NJHMFA lender partner!
First-Time Homebuyer Mortgage Program The New Jersey Housing and Mortgage Finance Agency's (NJHMFA) First-Time Homebuyer Mortgage Program provides qualified New Jersey first-time homebuyers with a competitive 30-year, fixed-rate government-insured loan (FHA/VA/USDA) originated through an NJHMFA participating lender. First Time Homebuyer Fact Sheet Do I Qualify for This Program? Are you a first-time homebuyer?
You're considered a first-time homebuyer if you have not owned a home within the previous three years. Are you planning to purchase a home in New Jersey? This program applies to homes to be used as a primary residence in any New Jersey county.
Does your income and the home's purchase price fall within the required income and purchase price limits? Income limits are determined by the area of purchase as well as family size. Properties located in an Urban Target Area (UTA) are eligible for higher income limits.
To determine if your proposed property is within a UTA, visit the Site Evaluator and follow the tutorial instructions, then review the appropriate Purchase Price and Income Limits document, linked below. Do You Need Down Payment and Closing Cost Assistance?
The First-Time Homebuyer Mortgage Program is the foundational mortgage program that can be combined with the NJHMFA Down Payment Assistance Program, which provides qualified buyers with up to $15,000 based upon the county of the property being purchased. NJHMFA DPA is an interest-free, five-year forgivable second loan with no monthly payment that can be used to cover down payment and closing costs.
Fill out our Participating Lenders form to be paired with an NJHMFA lender partner! New Jersey Housing and Mortgage Finance Agency's (NJHMFA) Homeward Bound Mortgage Program provides a competitive 30-year fixed-rate government insured loan for eligible homebuyers purchasing a home in New Jersey. The Homeward Bound Mortgage Program can be coupled with the NJHMFA Down Payment Assistance Program (DPA).
Further details available on the Homeward Bound Fact Sheet Fill out our Participating Lenders form to be paired with an NJHMFA lender partner! Police and Firemen's Retirement System Mortgage Program Active members of the New Jersey Police and Firefighter Retirement System (PFRS) with one year of creditable service are eligible for this program. Maximum mortgage amount is $766,550.
Interest rate is 30-year fixed. Program rates are set semi-annually in February and August. Further detail is available on our Police and Firemen's Retirement System Mortgage Program Fact Sheet .
Fill out our Participating Lenders form to be paired with an NJHMFA lender partner! Appraisal Discrimination Information Home Appraisal Discrimination initiative and Information Home-Appraisal-Discrimination Fact Sheet An NJHMFA approved lender assisted Kyle and Kiri in utilizing the Down Payment Assistance Program to help achieve their dream of home ownership. Hear about Kyle and Kiri's homebuying journey in the below video.
This video is also available with Spanish captions Have questions? View our Homebuyer FAQs . Not sure which program is right for you?
Call 1-800-NJHOUSE. Materials in Spanish are available! First-Time Homebuyer Program Consumer Fact Sheet Homeward Bound Program Consumer Fact Sheet HFA Advantage Program Consumer Fact Sheet Police and Fire Program Consumer Fact Sheet Smart Start Plus First Generation Fact Sheet
Based on current listing details, eligibility includes: NJ first-time homebuyers (no home ownership in past 3 years), purchasing a primary residence in NJ, within county-specific income and purchase price limits. Applicants should confirm final requirements in the official notice before submission.
Current published award information indicates Up to $15,000 in down payment assistance when combined with DPA program Always verify allowable costs, matching requirements, and funding caps directly in the sponsor documentation.
The current target date is rolling deadlines or periodic funding windows. Build your timeline backwards from this date to cover registrations, approvals, attachments, and final submission checks.
Federal grant success rates typically range from 10-30%, varying by agency and program. Build a strong proposal with clear objectives, measurable outcomes, and a well-justified budget to improve your chances.
Requirements vary by sponsor, but typically include a project narrative, budget justification, organizational capability statement, and key personnel CVs. Check the official notice for the complete list of required attachments.
Yes — AI tools like Granted can help research funders, draft proposal sections, and check compliance. However, always review and customize AI-generated content to reflect your organization's unique strengths and the specific requirements of the solicitation.
Review timelines vary by funder. Federal agencies typically take 3-6 months from submission to award notification. Foundation grants may be faster, often 1-3 months. Check the program's timeline in the official solicitation for specific dates.
Many federal programs offer multi-year funding or allow competitive renewals. Check the official solicitation for continuation and renewal policies. Non-competing continuation applications are common for multi-year awards.
The Fund for Women & Girls Grant Program is sponsored by The Foundation for Enhancing Communities (TFEC). The Fund for Women & Girls, an initiative of TFEC, makes grants to local nonprofit organizations in specific South Central PA counties. The grants support projects that advance the lives of women and girls by providing opportunities to address basic needs, develop economic self-sufficiency, and strengthen health and safety needs.
VGF grants will be used to develop and/or support community-based entities to recruit, manage, and support volunteers. CNCS seeks to fund effective approaches that expand volunteering, strengthen the capacity of volunteer connector organizations to recruit and retain skill-based volunteers, and develop strategies to use volunteers effectively to solve problems. Specifically, the VGF grants will support efforts that expand the capacity of volunteer connector organizations to recruit, manage, support and retain individuals to serve in high quality volunteer assignments.Applicants that receive funding under this Notice may directly carry out the activities supported under the award, or may carry out the activities by making sub-grants to community-based entities, supporting volunteer generation at these entities.). Funding Opportunity Number: AC-05-25-21. Assistance Listing: 94.021. Funding Instrument: G. Category: O. Award Amount: $6.1M total program funding.