New Jersey Workforce Housing Loan Program

NJ Housing and Mortgage Finance Agency

Available Down Payment

About This Program

Low-interest mortgage program for first-time homebuyers and qualified repeat buyers in New Jersey. Offers competitive rates and down payment assistance for income-eligible households.

Interest rate typically 0.5-1% below market rates

Official program page checked live on 2026-06-17.

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

Key Details

  • Low-interest mortgages for first-time buyers
  • Income limits vary by county and household size
  • Down payment assistance available
  • Competitive rates below market
  • Available throughout Bergen County

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

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

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing program

Questions about this program?

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