NJCC Statewide Down Payment Assistance Program

NJCC Statewide Down Payment Assistance Program is sponsored by New Jersey Community Capital (NJCC). Provides forgivable grants to qualified New Jersey homebuyers to assist with down payments, available statewide.

Address Yourself ™ | New Jersey Community Capital An Affordable Homeownership Program Creating Affordable Pathways to Homeownership Homeownership provides a pathway to intergenerational wealth while building equity and economic security for individuals and families in underserved communities.

Using financial education, pre-purchase homeownership counseling and down payment assistance for eligible homebuyers, the Address Yourself ™ homeownership program works to help low-to-moderate-income individuals and families achieve their homeownership goals. Address Yourself ™ provides a comprehensive homeownership platform for low-to-moderate income families and individuals.

Through partner organizations, pre-purchase housing counseling and follow-up counseling is provided to all clients interested in purchasing a home. When a client is ready to purchase, referrals are made to professionals that specialize in working with low-to-moderate income buyers. As buyers identify the home they wish to purchase, they may apply for down payment assistance.

Since inception, Address Yourself ™ has provided housing counseling for 1,570 households and has deployed more than $8,300,000 in down payment assistance to more than 500 households. Learn more about next steps and available down payment assistance programs below. To learn more about the Address Yourself ™ homeownership program, please visit our Frequently Asked Questions page.

To enroll in the Address Yourself ™ homeownership program, please complete the Address Yourself Enrollment Form below. Please note that if you are already enrolled in Address Yourself ™, you cannot enroll again.

If you are already under contract to purchase a property and are preapproved for a mortgage with one of our approved mortgage lenders, you will be guided through the down payment assistance application process following completion of the Address Yourself ™ Enrollment form. Go to our Frequently Asked Questions page for a list of approved lenders.

Address Yourself Enrollment Form Down Payment Assistance Eligibility Quiz To be eligible to apply for down payment assistance, homebuyers must: Be enrolled in the Address Yourself™ homeownership program. Use one of the Enrollment links above if you are not already enrolled. Be pre-approved for a mortgage by one of our approved mortgage lenders.

Go to our Frequently Asked Questions page for a list of approved lenders. Be under contract to purchase a property and in possession of a fully executed purchase agreement. Take the Down Payment Assistance Eligibility Quiz to see if you are ready to apply by using the link below.

Down Payment Assistance Application If you are already enrolled in the Address Yourself™ program, and have passed the Down Payment Assistance Eligibility Quiz, use the link below to begin the process of applying for down payment assistance. Apply for Down Payment Assistance If you need assistance, contact us at addressyourself@newjerseycommunitycapital. org .

Address Yourself Programs The AtlantiCare Down Payment Assistance (DPA) Program provides grants up to $10,000 to AtlantiCare employees seeking to become first-time homeowners in Atlantic City. Eligible participants must be below 120% of the area median income and in good standing with AtlantiCare.

East Trenton Collaborative DPA Program The East Trenton Collaborative DPA Program makes grants available to income eligible buyers purchasing a house in the East Trenton neighborhood of Trenton. Up to $10,000 is available for households purchasing a home in East Trenton. The Esperanza DPA program is sponsored by New Brunswick Tomorrow, the lead organization in the Esperanza Neighborhood Project.

The program provides up to $30,000 in down payment assistance for income eligible, first time homebuyers purchasing in the Esperanza Neighborhood of New Brunswick. NJCC Statewide DPA Program In partnership with a variety of lenders and funders, the NJCC Statewide DPA Program is available to income-eligible buyers purchasing a home throughout New Jersey.

Buyers may be eligible for up to $30,000, depending on need and must earn less than 100% of the area median income. Address Yourself™ and the Trenton Neighborhood Initiative are partnering to bring affordable homeownership to Trenton. Available support for homebuyers includes up to $20,000 in down payment assistance for all income-qualified individuals buying a home in Trenton.

The Address Yourself™ program is constantly growing and offering additional down payment assistance grants in locations around New Jersey. Complete and submit an enrollment form to learn more about other available programs. Address Yourself Program: Talita Elizeu A $15,000 down payment assistance grant and free housing counseling.