City of Trenton First-Time Homebuyer Program

Administered by: City of Trenton Department of Housing and Economic Development · City · Forgivable Loan

Funding status: Active

How much assistance

Up to $15,000 (Forgivable Loan)

Zero-interest forgivable loan. Forgiven at the end of the restriction period provided the buyer maintains the property as their primary residence.

Eligibility

  • Income limits: Household income cannot exceed 80% of Area Median Income (AMI) by household size
  • First-time buyer required: Yes — Must not have owned a home in at least three years or have never owned a property.
  • Geographic restrictions: Must purchase a home within the City of Trenton.
  • Homebuyer education required: Yes

How to Apply for City of Trenton First-Time Homebuyer Program

Step 1: Download the First Time Homebuyer Program Application from the City of Trenton website and schedule an appointment with CDBG program staff to present a complete application with all documentation. Contact 609-989-3521 or email Housing Production for details.

Visit program website

Notes

Funded by HUD Community Development Block Grant (CDBG) and Home Investment Partnership (HOME) programs. Funds can be used for down payment, closing costs, and/or principal write-down. Eligible properties include single-family and multi-family homes (up to 4 units) that will serve as primary residence.

Cities Where This Program Is Available