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, 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. 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. 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 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 $453,100?

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)
Trident Mortgage(800) 333-0002
Caliber Home Loans(848) 200-1700
Gateway Mortgage Group(856) 810-1222
Republic Bank (fka Oak Mtg.)(856) 988-8100
Guaranteed Rate, Inc.(609) 481-3651
1st Colonial Community Bank(856) 869-3250
Evesham Mortgage(856) 985-9944
Family First Funding(800) 542-7895
Acre Mortgage(856) 810-1000
Advisors(732) 292-313310 
Allied Mortgage(856) 782-274011 
Fairway Independent(609) 448-5626 or (732) 809-859512 
ANMA (American Neighborhood)(866) 312-668213 
MLD dba The Money Store(973) 805-200014 
NFM Lending(800) 233-009215 
Prosperity Home Mortgage LLC(609) 203-609616 
Atlantic Home Loans(877) 598-650017 
CMG Financial(866) 659-898918 
Primary Residential Lending(800) 255-279219 
American Financial Network(856) 942-440020 
E Mortgage Management(800) 793-963321 
Draper and Kramer (1st Advant)(609) 415-626022 
LoanDepot dba Mtg. Master(609) 454-348223 
Phila Mortgage Advisors(609) 398-860024 
Fulton Bank N.A.(848) 299-034325 
Greenway Mortgage Funding(732) 832-296726 
Get A Rate(866) 955-565527 
Freedom Mortgage(856) 334-112528 
Meridian Bank(609) 241-702829 
Cardinal Financial(855) 561-494430 
Absolute Home Mortgage(855) 888-246231 
American Financial Network(856) 942-440032 
American Federal(888) 321-468733 
Benchmark(732) 431-4481 or (972) 398-767634 
Cross Country(201) 930-030035 
Finance of America(877) 853-356236 
First Alliance(732) 582-333837 
Go Prime(760) 692- 365538 
Greentree(800) 524-109839 
Homebridge(201) 808-256740 
Investors(973) 376-810041 
Movement Mortgage (877) 314-149942 
Nationwide Mortgage Bankers (833) 700-888443 
Success Mortgage Partners(734) 335-426344 
Union Home Loans(732) 375-916245 
Western Express(844) 378-448246 

Police and Firemen's Retirement System Mortgage Program Participating Lenders

Lender NamePhone NumberRanked in Order of Activity
(#1 = Most Active)
Wells Fargo(866) 316-88161
NJ Lenders(732) 389-9898 x61432
Trident Mortgage(800) 333-00023
Advisors(732) 292-31334
Family First Funding(800) 542-78955
Valley National Bank(800) 225-58596
DHI(267) 520-3333 x33167
Cross Country(201) 930-03008
Republic Bank(856) 988-81009

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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