NJ Housing and Mortgage Finance Agency
Up to $15,000 forgivable loan for down payment and closing costs, plus additional $7,000 for first-generation homebuyers (total up to $22,000). No interest and no monthly payments. Forgiven after 5 years of continuous owner-occupancy. Must pair with NJHMFA first mortgage.
$15,000 base + $7,000 first-gen bonus; forgiven after 5 years
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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