NJHMFA First-Time Homebuyer Mortgage Program

New Jersey Housing and Mortgage Finance Agency

Available Down Payment

About This Program

Provides low-interest mortgages and down payment assistance for first-time homebuyers in New Jersey. Includes programs for military veterans, persons with disabilities, and those purchasing in targeted areas.

Down payment assistance based on property location and applicant qualifications

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Down payment assistance up to $10,000
  • Below-market interest rates available
  • Income limits vary by county and household size
  • First-time homebuyer requirement (with exceptions)
  • Additional programs for veterans and persons with disabilities

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

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

Deadline: Rolling, subject to funding availability

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