Help to buy in New Jersey
Home-buying assistance programs in New Jersey
2 official programs for down payment and closing cost help in New Jersey, from New Jersey Housing and Mortgage Finance Agency. We show what each program says on its own page, with the date we checked it.
Key numbers in New Jersey
- Verified programs
- 2
- from New Jersey Housing and Mortgage Finance Agency
- First-time buyers only
- 2
- all require a first-time buyer
- Accept an ITIN
- 0
- per their own site · no: 2 · unconfirmed: 0
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Forgivable
Second loan forgiven if you stay in the home
The full list
Programs in New Jersey
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Forgivable
NJHMFA second loan with no interest, forgiven after five years, for first-time buyers in New Jersey
What it gives, per the source
The NJHMFA state-wide Down Payment Assistance Program (DPA) provides up to $15,000 based upon the county of the property being purchased. The NJHMFA DPA is 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
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- No, per its site
Run by New Jersey Housing and Mortgage Finance Agency (NJHMFA)
Verified November 5, 2026
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Extra NJHMFA assistance for first-time buyers whose parents have never owned a home (or who were in foster care in New Jersey)
What it gives, per the source
The NJHMFA First Generation Down Payment Assistance Program provides $7,000 of down payment and closing cost assistance. This is offered in addition to the NJHMFA DPA award for first-time buyers providing a total assistance of $17,000 to $22,000. The NJHMFA First Generation Down Payment Assistance Program is for qualified first-time homebuyers who are also first-generation homebuyers. The assistance is provided as an interest-free, five-year forgivable second loan with no monthly payment.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- No, per its site
Run by New Jersey Housing and Mortgage Finance Agency (NJHMFA)
Verified November 5, 2026
No program matches your search.
Rent help
Help with rent and utility bills in New Jersey
2 programs we checked in New Jersey to pay rent, power or gas, or avoid an eviction, with what each page says.
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Low Income Home Energy Assistance Program (LIHEAP): Home Energy Assistance
Run by New Jersey Department of Community Affairs (DCA)
New Jersey help for very low-income residents with heating and cooling bills, and with past-due electric and gas bills
Open, per the source
See details -
Omnibus Eviction and Homelessness Prevention (OEHP) program
Run by New Jersey Department of Community Affairs (DCA), Office of Eviction Prevention
New Jersey program that, through organizations in all 21 counties, helps renters with back rent, moving and free legal advice when facing eviction
Help to repair your home
Repair programs in New Jersey
2 programs we checked in New Jersey to repair your home or make it more efficient, with what each page says.
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Weatherization Assistance Program (WAP)
Run by New Jersey Department of Community Affairs (DCA)
New Jersey weatherization program: upgrades that cut energy use in low-income homes, through local agencies
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Low Income Home Energy Assistance Program (LIHEAP)
Run by New Jersey Department of Community Affairs (DCA)
New Jersey energy assistance (LIHEAP): pays part of heating and cooling costs, and includes emergency services for the heating system
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in New Jersey?
Of the 2 programs on this page, all require it. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 2; not confirmed on its site, 0. Ask the participating lender directly before you start, and ask for it in writing.