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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
According to the current listing, 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. Confirm the full requirements in the official notice before applying.
The current listing shows up to $15,000 in down payment assistance when combined with DPA program. Verify award ceilings, matching requirements, and allowable costs in the official notice.
New Jersey First-Time Homebuyer Mortgage Program is funded by New Jersey Housing and Mortgage Finance Agency (NJHMFA). Verify program details on the funder's official page before applying.
This opportunity targets applicants in New Jersey. If your organization operates elsewhere, check the official notice for location requirements.
Applications go through the funder's official portal — the Apply Now link on this page goes there directly.
The Homeless Youth Program is a grant from the Illinois Department of Human Services that funds services for homeless and at-risk youth across Illinois. Administered through the Office of Community and Positive Youth Development, it supports nonprofit organizations delivering shelter, outreach, and support services to young people experiencing homelessness or housing instability. Eligible applicants are Illinois-based nonprofits with demonstrated capacity to serve youth. Awards range from $100,000 to $800,000 per year under CSFA number 444-80-0711. This is a FY 2026 funding opportunity with an application deadline of May 21, 2025.
Community Investment Tax Credit Program (CITC) is a grant from the Maryland Department of Housing and Community Development that provides state tax credit allocations to 501(c)(3) nonprofits, enabling them to attract private donations from individuals and businesses. Donors contributing $500 or more to approved projects receive tax credits equal to 50% of their contribution. The program has leveraged nearly $27 million in charitable contributions to approximately 700 projects statewide. Eligible project areas include education, housing, job training, arts and culture, economic development, and services for at-risk populations. Projects must be located in or serve residents of Maryland's Priority Funding Areas. The application period is typically held annually.
The Families First Community Grant Program is a competitive grant initiative from the Tennessee Department of Human Services (TDHS) offering approximately $27 million in funding to support nonprofit organizations serving low-income Tennessee families. Grants fund programs across four priority areas: education, health, economic stability, and family well-being, aligned with TANF goals of promoting self-sufficiency. Eligible applicants are 501(c)(3) nonprofits based in Tennessee that provide direct services to economically disadvantaged families. The 2025 application cycle closed July 10, 2025. This program reflects Tennessee's broader commitment to strengthening communities through strategic investment in local organizations that address the root causes of poverty.
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