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Essex County Homebuyer Assistance Program (HAP)

Administered by:
Essex County Division of Housing and Community Development
 · County · Deferred Loan
Funding status: Active

How much assistance

Up to $50,000
No-interest, 15-year deferred payment loan. No monthly payments required during the deferral period.

Eligibility

  • Income limits:
    Low to moderate income households as defined by HUD income limits for Essex County
  • First-time buyer required: No
  • Geographic restrictions:
    Must purchase a single-family home, townhouse, or condominium within one of the 19 municipalities in the Essex County Consortium
  • Homebuyer education required: No

How to Apply for Essex County Homebuyer Assistance Program (HAP)

Contact the Essex County Division of Housing and Community Development at 20 Crestmont Road, Verona, NJ 07044 or call (973) 655-0200.

Notes

Loan can be used for down payment, closing costs, or mortgage write-down. Property must be located in one of the 19 Essex County Consortium municipalities.

Cities Where This Program Is Available (6 cities across 2 states)

Massachusetts (4 cities)
New Jersey (2 cities)