First-Time Home Buyer Mortgage & Down Payment Assistance Programs

First Time Home Buyer Program

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

How To Qualify:

  • You must be a first-time home buyer; you are considered a first-time home buyer if you have not owned a home within the previous three years.

  • You must have a minimum credit score of 620 or above

  • The home must be used as a primary residence in any New Jersey county.

  • Your income must fall within the required income price limits (refer to chart A)

  • The home's purchase price must fall within the required purchase price limits (refer to chart A)

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Down Payment and Closing Cost Assistance Program

Together with the First-Time Homebuyer Mortgage Program you could qualify for the NJHMFA Down Payment Assistance Program:

  • Qualified buyers can receive that can be used to cover down payment and closing costs.

Now that you have the facts...
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