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NJHMFA First-Time Homebuyer Mortgage Program

Administered by:
New Jersey Housing and Mortgage Finance Agency
 · State · Government-Insured Mortgage
Funding status: Active

How much assistance

Competitive 30-year fixed-rate mortgage

Eligibility

  • Income limits:
    Must not exceed 115% of area median income; up to 140% AMI in targeted areas
  • First-time buyer required: Yes —
    Must not have owned a home in the past 3 years
  • Credit score minimum: 620
  • Geographic restrictions:
    Must purchase a home in New Jersey
  • Homebuyer education required: Yes

How to Apply for NJHMFA First-Time Homebuyer Mortgage Program

Contact an NJHMFA participating lender through theroadhomenj.com. Complete HUD-approved homebuyer education. Get pre-approved and find a home in New Jersey.

Notes

Government-insured loan options include FHA, VA, and USDA. Must work with an NJHMFA-approved lender.

Cities Where This Program Is Available (26 cities across 1 state)

New Jersey (26 cities)

Available Statewide In