First-Time Homebuyer Programs in New Jersey

Saving for a down payment is the biggest hurdle for most first-time buyers. New Jersey's housing agency, the NJ Housing and Mortgage Finance Agency (NJHMFA), offers programs that can help. Here is a plain-English overview.

NJHMFA Down Payment Assistance

  • Up to $15,000, depending on the county, toward your down payment and closing costs.
  • It is an interest-free, five-year forgivable second loan with no monthly payment.
  • It must be paired with an NJHMFA first mortgage and is subject to income and purchase-price limits.

First Generation Down Payment Assistance

An additional $7,000 for first-time buyers whose parents did not own a home (or who were in NJ foster care). Combined with the standard assistance, that can mean up to $22,000 in help.

Who counts as a "first-time buyer"?

Generally, anyone who has not owned a home in the past three years. The home must be your primary residence in New Jersey. Income limits vary by area and household size, and are higher in designated Urban Target Areas.

How to get started

  1. Talk to a lender that participates in NJHMFA programs and get pre-approved.
  2. Complete any required homebuyer education course.
  3. Set your budget — including New Jersey property taxes, which vary a lot from town to town.
  4. Start your search. I'll set up listing alerts from both GSMLS and NJMLS.

Program details and limits change — always confirm current terms at nj.gov/hmfa or with your lender.

Questions? Let's talk.

Call or text (201) 259-8132 · unitedvoytek@gmail.com · Mówię po polsku.

Wojciech Baranowski

United Real Estate New Jersey


Office:
18-19 River Road, Ste B, Fair Lawn, NJ, 07410
www.UnitedRealEstateNorthJersey.com
(888) 501-6953
Agent:
unitedvoytek@gmail.com
(201) 259-8132
URE Group logo
Home Contact News Blog Why Work With Me Join our team Finding a Home Loan Closing the Deal Making An Offer Finding A Property Finding a Good Agent Buyer Closing Costs Preparing To Buy Your Home Moving from NYC Attorney Review Explained First-Time Buyer Programs Closing The Deal Purchase Offers Pricing Your Home Preparing To Sell your House Selling Step by Step Thinking of selling ? Seller Costs NJ Finding a Good Agent Brokerage Services Po Polsku Z Nowego Jorku do NJ Kupno domu Sprzedaz domu Carlstadt Hasbrouck Heights Communities North Arlington Lyndhurst

This content last updated on Wednesday, September 23, 2026 11:19 AM from NJMLS

This content last updated on Wednesday, September 23, 2026 12:01 PM from GSMLS

This content last updated on Wednesday, September 23, 2026 11:30 AM from AllJerseyMLS

Some properties which appear for sale on this web site may subsequently have sold or may no longer be available.

Properties displayed may be listed or sold by various participants in the MLS.

Franchise Offices are Independently Owned and Operated. The information provided herein is deemed accurate, but subject to errors, omissions, price changes, prior sale or withdrawal. United Real Estate does not guarantee or is anyway responsible for the accuracy or completeness of information, and provides said information without warranties of any kind. Please verify all facts with the affiliate.
Copyright© United Real Estate
Privacy Statement
Terms Of Use

If you are using a screen reader, or having trouble reading this website, please call our Customer Support for help at 888-960-0606 .

Web Content Accessibility Disclosure Statement:

We strive to provide websites that are accessible to all possible persons regardless of ability or technology. We strive to meet the standards of the World Wide Web Consortium's Web Content Accessibility Guidelines 2.1 Level AA (WCAG 2.1 AA), the American Disabilities Act and the Federal Fair Housing Act. Our efforts are ongoing as technology advances. If you experience any problems or difficulties in accessing this website or its content, please email us at: unitedsupport@unitedrealestate.com. Please be sure to specify the issue and a link to the website page in your email. We will make all reasonable efforts to make that page accessible for you.

The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to: Legal@UnitedRealEstate.com
The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Leave a message for Wojciech

Want to take the next step?
I agree to be contacted by the United Real Estate New Jersey office and Wojciech Baranowski for real estate services via call, email and/or text. Message frequency varies. To opt out, you can reply "stop" at any time or click the unsubscribe link in the emails. Message and data rates may apply. Reply HELP for help. View Terms of Service and Privacy Policy. If you'd like to unsubscribe click here.