njhousing.gov

Welcome
New Jersey
Home Buyers!

Find Out How You Can Get $10,000
Toward Your Home Purchase!

NJHMFA: Providing $10,000 in down payment and closing cost assistance
NJHMFA's Downpayment Assistance Programs

First-Time Homebuyers:
Get $10,000 Toward Your Home Purchase!

NJHMFA's Down Payment Assistance Program:
These Interest-Free, Forgivable Funds Can Help Cover Your Down Payment and Closing Costs

NJHMFA's Mortgage Programs

NJHMFA's Mortgage Programs

New Jersey Housing and Mortgage Finance Agency's Mortgage Programs
Serve Buyers in All New Jersey Counties

NJHMFA's Down Payment Assistance Program

State-Wide Down Payment and Closing Cost Assistance for Homes
Located in New Jersey

The NJHMFA Down Payment Assistance Program (DPA) provides $10,000 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, originated through an NJHMFA participating lender. Certain restrictions such as maximum household income and purchase price limits apply. View the income and purchase price limits here.

NJHMFA's participating lenders are the best representatives to help walk you through program qualification details including