New Jersey HOME First-Time Homebuyer Program

NJ Department of Community Affairs / HUD HOME Funds

Waitlist Down Payment

About This Program

HUD HOME funds provide down payment and closing cost assistance to first-time homebuyers purchasing in Lodi and other eligible NJ municipalities. Typically offered as a deferred loan forgiven after a compliance period. Availability varies by municipality.

Loan forgiven after occupancy period; may be repayable if you sell or refinance early

Key Details

  • Down payment and closing cost assistance up to $20,000
  • Must be first-time homebuyer
  • Income at or below 80% AMI required
  • Purchasing home in Lodi or eligible NJ area
  • Check local administrator for availability

How to Apply

A grant-savvy contractor in Lodi, NJ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Contact local administrator for current status

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Lodi, NJ

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs