njhousing.gov

Welcome
New Jersey
Home Buyers!

Find Out How You Can Get $10,000
Toward Your Home Purchase!

NJHMFA: Providing $10,000 in down payment and closing cost assistance
NJHMFA's Downpayment Assistance Programs

First-Time Homebuyers:
Get $10,000 Toward Your Home Purchase!

NJHMFA's Down Payment Assistance Program:
These Interest-Free, Forgivable Funds Can Help Cover Your Down Payment and Closing Costs

NJHMFA's Mortgage Programs

NJHMFA's Mortgage Programs

New Jersey Housing and Mortgage Finance Agency's Mortgage Programs
Serve Buyers in All New Jersey Counties

NJHMFA's Down Payment Assistance Program

State-Wide Down Payment and Closing Cost Assistance for Homes
Located in New Jersey

The NJHMFA Down Payment Assistance Program (DPA) provides $10,000 for qualified first-time homebuyers to use as down payment and closing cost assistance when purchasing a home in New Jersey. The DPA is an interest-free, five-year forgivable second loan with no monthly payment.

To participate in this program, the DPA must be paired with an NJHMFA first mortgage loan. The first mortgage loan is a competitive 30-year, fixed-rate government-insured loan (FHA/VA/USDA), originated through an NJHMFA participating lender. Certain restrictions such as maximum household income and purchase price limits apply. View the income and purchase price limits here.

NJHMFA's participating lenders are the best representatives to help walk you through program qualification details including income and purchase price limits, and help you complete the application process. Click here to find an NJHMFA participating lender..

Do I Qualify for This Program?

Are you a first-time homebuyer?
You're considered a first-time homebuyer if you have not owned a home within the previous three years.

Are you planning to purchase a home in New Jersey?
This program applies to homes to be used as a primary residence in any New Jersey county.

If you answered YES to the questions above, contact one of NJHMFA's participating lenders
and ask for an NJHMFA Down Payment Assistance Program loan today!

NJHMFA's Mortgage Programs

The New Jersey Housing and Mortgage Finance Agency's Mortgage Programs
Serve Buyers in All New Jersey Counties

NJHMFA's First-Time Homebuyer Mortgage Program is open to first-time homebuyers. It is the foundation program for all NJHMFA Down Payment Assistance Program participants.

NJHMFA's First-Time Homebuyer
Mortgage Program

This program is open to qualified first-time homebuyers and provides a 30-year, fixed-rate government insured loan (FHA/VA/USDA). It is the required foundational program for all NJHMFA Down Payment Assistance program participants.

NJHMFA's Police and Firemen's Retirement System mortgage program is open to active members of the New Jersey Police and Firemen's Retirement System (PFRS) with one year of creditable service.

Police and Firemen's Retirement System
Mortgage Program

This program is open to active members of the New Jersey Police and Firemen's Retirement System (PFRS) with one year of creditable service who seek to buy a home (first-time buyers or trade up/trade down). 

NJHMFA's First-Time Homebuyer Mortgage Program

This program is open to qualified first-time homebuyers and provides a 30-year, fixed-rate government insured loan (FHA/VA/USDA). It is the required foundational program for all
NJHMFA Down Payment Assistance Program participants.

Buying your first home? The New Jersey Housing and Mortgage Finance Agency's (NJHMFA) First-Time Homebuyer Mortgage Program provides qualified New Jersey first-time homebuyers with a competitive 30-year, fixed-rate government-insured loan (FHA/VA/USDA) originated through an NJHMFA participating lender.


Do You Need Down Payment and Closing Cost Assistance? NJHMFA's First-Time Homebuyer Mortgage Program is the foundational mortgage program that can be combined with the NJHMFA Down Payment Assistance Program, to provide qualified buyers with $10,000 as an interest-free, five-year forgivable second loan with no monthly payment that can be used to cover down payment and closing costs. 

Do I Qualify for This Program?

Are you a first-time homebuyer?
You're considered a first-time homebuyer if you have not owned a home within the previous three years.

Are you planning to purchase a home in New Jersey?
This program applies to homes to be used as a primary residence in any New Jersey county.

If you answered YES to the questions above, contact one of NJHMFA's participating lenders and
ask for an NJHMFA First-Time Homebuyer Mortgage Program loan today!

NJHMFA's Police and Firemen's Retirement System Mortgage Program

This program is open to active members of the New Jersey Police and Firefighter Retirement System (PFRS) with one year of creditable service who seek to buy a home
(first-time buyer, trade up or trade down). 

Active members of the New Jersey Police and Firemen's Retirement System (PFRS) with one year of creditable service are eligible for this program. The interest rate is 30-year fixed. Members may buy a home as a first-time buyer, trade up or trade down. 

Do I Qualify for This Program?

Are you an active member of the New Jersey Police and Firemen's Retirement System Program with one year of creditable service? 


Is your home's purchase price below $548,250?

If you answered YES to the two questions above, contact one of NJHMFA's participating lenders 

and ask for an NJHMFA Police and Firemen's Retirement System loan today!

NJHMFA's First-Time Homebuyer Mortgage Program & Down Payment Assistance Program Participating Lenders

Lender NamePhone NumberRanked in Order of Activity
(#1 = Most Active)
Gateway Mortgage Group(856) 810-1222
Caliber Home Loans(848) 200-1700
Prosperity Home Mortgage LLC(609) 203-6096
Allied Mortgage(856) 782-2740
Family First Funding(800) 542-7895
Annie Mac(866) 312-6682
Republic Bank (fka Oak Mtg.)(856) 988-8100
1st Colonial Community Bank(856) 869-3250
Primary Residential Mortgage(800) 255-2792
Acre Mortgage(856) 810-1000
Advisors Mortgage Group(732) 292-313310 
Huntington Valley Bank(267) 280-4040 or (609) 209-380011 
NFM Lending(800) 233-009212 
Guaranteed Rate, Inc.(609) 481-365113 
Evesham Mortgage(856) 985-994414 
Loan Depot(888) 337-688815 
Fulton Bank N.A.(848) 299-034316 
MLD dba The Money Store(973) 805-200017 
Meridian Bank(609) 241-702818 
Fairway Independent(609) 448-5626 or (732)809-859519 
Phila Mortgage Advisors(609) 398-860020 
Finance of America(877) 853-356221 
Cardinal Financial(855) 561-494422 
Atlantic Home Loans(877) 598-650023 
CMG Financial(866) 659-898924 
Cross Country Mortgage(877) 351-340025 
Draper and Kramer (1st Advant)(630) 268-530026 
Get A Rate(201) 393-020027 
US Mortgage(800) 562-671529 
Union Home Mortgage(800) 767-468430 
Success Mortgage Partners(855) 284-221431 
Nationals Lending(877) 816-122032 
American Financial Network(888) 636-757333 
Envoy(877) 754-054534 
Guaranteed Rate Affinity(609) 481-365135 
Homebridge Home Services(732) 738-710036 
Wells Fargo(732) 668-357937 

Police and Firemen's Retirement System Mortgage Program Participating Lenders

Lender NamePhone NumberRanked in Order of Activity
(#1 = Most Active)
Wells Fargo(732) 668-35791
NJ Lenders(732) 389-9898 x61432
Prosperity Home Mortgage LLC(609) 203-60963
Advisors Mortgage Group(732) 292-31334
Family First Funding(800) 542-78955
Valley National Bank(800) 225-58597
Finance of America(877) 853-35628
Cross Country Mortgage(201) 930-03009
Republic Bank(856) 988-810010
Caliber Home Loans(848) 200-170011
NVR(856) 770-900812
Investors Mortgage(973) 376-810013
NFM Lending(877) 314-149914
Fairway(866) 912-420015
Greenway Mortgage(732) 832-296716
1st Colonial Community Bank(856) 869-325017
Guaranteed Rate, Inc.(609) 481-365118
MLD DBA the Money Store(800) 203-550219

Need Help with the Homebuying Process?

Download Our FREE Guide for the NJ Homebuyer

Buying a house is a big step – and deciding where to live is
one of the biggest decisions you will ever make. 

The New Jersey Housing and Mortgage Finance Agency
(NJHMFA) presents The Road Home New Jersey: A Guide for the New Jersey Homebuyer, to help you navigate your
way to affordable homeownership.

The guide presents info from a number of reputable sources to provide you with the most reliable and accessible tools to enable you to make the right home purchase decision.


Download the guide today! Available as a PDF in ENGLISH and ESPAÑOL.

The Road Home New Jersey: A Guide for the NJ Homebuyer - FREE

Who is NJHMFA?

We Are The Road Home New Jersey


The New Jersey Housing and Mortgage Finance Agency (NJHMFA) is dedicated to increasing the availability of safe, decent, affordable and accessible housing for New Jersey residents.


We know that buying a home can be the single largest investment of a lifetime, and so we created The Road Home New Jersey to provide a roadmap for homebuyers to learn about the home purchase process as well as our available programs.


We are a financially self-supporting affiliate of the New Jersey Department of Community Affairs, and have helped more than 115,000 New Jersey residents become homeowners since 1967. 


We are proud to assist our residents in their homebuying journey; We are proud to be The Road Home New Jersey.

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