Programs Directory
Homebuyer Programs in New Jersey100
Find affordable homeownership opportunities designed to help first-time homebuyers in New Jersey. Discover down payment assistance, grants, and low-interest loan programs available in your area.
Program Statistics for New Jersey
Program Categories in New Jersey
Featured Homebuyer Programs in New Jersey
Federal ProgramFederal First-Time Homebuyer Programs (National)
Unlock your path to homeownership with federal first-time homebuyer programs. From FHA loans to VA benefits, explore nationwide options designed to help you purchase your first home with lower costs and flexible requirements.
National Programs Available in New Jersey
These federal programs are available nationwide, including to residents of New Jersey. They include FHA, VA, USDA, and other federal homebuyer assistance programs.
FHA LoansFHA 203(k) Limited (Streamlined) Rehabilitation Loan (National)
The FHA 203(k) Limited (Streamlined) Rehabilitation Loan is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
Federal ProgramFederal First-Time Homebuyer Programs (National)
Unlock your path to homeownership with federal first-time homebuyer programs. From FHA loans to VA benefits, explore nationwide options designed to help you purchase your first home with lower costs and flexible requirements.
VA Cash-Out Refinance Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Cash-Out Refinance Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
FHA Section 245(a) Graduated Payment Mortgage: FHA Mortgage Program Overview (National)
The FHA Section 245(a) Graduated Payment Mortgage is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
FHA Section 245(a) Growing Equity Mortgage: FHA Mortgage Program Overview (National)
The FHA Section 245(a) Growing Equity Mortgage is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
FHA Mortgage for Mobile Home and Lot: FHA Mortgage Program Overview (National)
The FHA Mortgage for Mobile Home and Lot is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
FHA Good Neighbor Next Door Program: FHA Mortgage Program Overview (National)
The FHA Good Neighbor Next Door Program is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
FHA 203(h) Disaster Victim Mortgage: FHA Mortgage Program Overview (National)
The FHA 203(h) Disaster Victim Mortgage is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
FHA Home Equity Conversion Mortgage (HECM) - Reverse Mortgage: FHA Mortgage Program Overview (National)
The FHA Home Equity Conversion Mortgage (HECM) - Reverse Mortgage is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
FHA 251 Adjustable Rate Mortgage: FHA Mortgage Program Overview (National)
The FHA 251 Adjustable Rate Mortgage is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
VA Interest Rate Reduction Refinance Loan (IRRRL): VA-Backed Mortgage Benefits for Veterans (National)
The VA Interest Rate Reduction Refinance Loan (IRRRL) is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
FHA HOPE for Homeowners Program: FHA Mortgage Program Overview (National)
The FHA HOPE for Homeowners Program is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
VA Native American Direct Loan (NADL): VA-Backed Mortgage Benefits for Veterans (National)
The VA Native American Direct Loan (NADL) is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Special Housing Adaptation Grant (SHA Grant): VA-Backed Mortgage Benefits for Veterans (National)
The VA Special Housing Adaptation Grant (SHA Grant) is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
FHA 221(d)(4) New Construction/Substantial Rehabilitation Loan: FHA Mortgage Program Overview (National)
The FHA 221(d)(4) New Construction/Substantial Rehabilitation Loan is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
FHA Section 223(a)(7) Refinance: FHA Mortgage Program Overview (National)
The FHA Section 223(a)(7) Refinance is a government-backed mortgage product offered through the Federal Housing Administration (FHA). It is designed to support homeownership and community revitalization.
VA Home Purchase Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Home Purchase Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Temporary Residence Adaptation Grant (TRA): VA-Backed Mortgage Benefits for Veterans (National)
The VA Temporary Residence Adaptation Grant (TRA) is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Manufactured Home Lot Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Manufactured Home Lot Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Manufactured Home Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Manufactured Home Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Manufactured Home and Lot Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Manufactured Home and Lot Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Construction Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Construction Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Energy Efficient Mortgage (EEM): VA-Backed Mortgage Benefits for Veterans (National)
The VA Energy Efficient Mortgage (EEM) is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Renovation Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Renovation Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Supplemental Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Supplemental Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Military Construction Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Military Construction Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Condominium Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Condominium Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Farm Residence Loan: VA-Backed Mortgage Benefits for Veterans (National)
The VA Farm Residence Loan is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Servicing Purchase (VASP) Program: VA-Backed Mortgage Benefits for Veterans (National)
The VA Servicing Purchase (VASP) Program is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Vendee Financing Program: VA-Backed Mortgage Benefits for Veterans (National)
The VA Vendee Financing Program is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Loan with Manual Underwriting: VA-Backed Mortgage Benefits for Veterans (National)
The VA Loan with Manual Underwriting is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Loan for Surviving Spouse: VA-Backed Mortgage Benefits for Veterans (National)
The VA Loan for Surviving Spouse is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Specially Adapted Housing (SAH) Grant: VA-Backed Mortgage Benefits for Veterans (National)
The VA Specially Adapted Housing (SAH) Grant is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
VA Loans for National Guard and Reserves: VA-Backed Mortgage Benefits for Veterans (National)
The VA Loans for National Guard and Reserves is a benefit offered by the U.S. Department of Veterans Affairs to support eligible veterans, service members, and their families in achieving homeownership and financial stability.
USDA Section 502 Guaranteed Loan Program: Affordable Rural Housing and Development Support (National)
The USDA Section 502 Guaranteed Loan Program is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Section 504 Home Repair Program (Grant): Affordable Rural Housing and Development Support (National)
The USDA Section 504 Home Repair Program (Grant) is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Section 502 Direct Loan Program: Affordable Rural Housing and Development Support (National)
The USDA Section 502 Direct Loan Program is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Single Close Construction-to-Permanent Loan: Affordable Rural Housing and Development Support (National)
The USDA Single Close Construction-to-Permanent Loan is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Section 504 Home Repair Program (Loan): Affordable Rural Housing and Development Support (National)
The USDA Section 504 Home Repair Program (Loan) is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Section 523 Self-Help Loan Program: Affordable Rural Housing and Development Support (National)
The USDA Section 523 Self-Help Loan Program is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Section 524 Rural Housing Site Loan: Affordable Rural Housing and Development Support (National)
The USDA Section 524 Rural Housing Site Loan is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Rural Energy Plus Loan: Affordable Rural Housing and Development Support (National)
The USDA Rural Energy Plus Loan is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Section 538 Multi-Family Housing Loan Program: Affordable Rural Housing and Development Support (National)
The USDA Section 538 Multi-Family Housing Loan Program is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Streamlined Assist Refinance: Affordable Rural Housing and Development Support (National)
The USDA Streamlined Assist Refinance is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Non-Streamlined Refinance: Affordable Rural Housing and Development Support (National)
The USDA Non-Streamlined Refinance is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Repair Prioritization Pilot Program: Affordable Rural Housing and Development Support (National)
The USDA Repair Prioritization Pilot Program is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Streamlined Refinance: Affordable Rural Housing and Development Support (National)
The USDA Streamlined Refinance is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Manufactured Housing Loan: Affordable Rural Housing and Development Support (National)
The USDA Manufactured Housing Loan is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Home Repair and Preservation Program: Affordable Rural Housing and Development Support (National)
The USDA Home Repair and Preservation Program is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Rural Housing Site Loans: Affordable Rural Housing and Development Support (National)
The USDA Rural Housing Site Loans is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Housing Preservation Grant: Affordable Rural Housing and Development Support (National)
The USDA Housing Preservation Grant is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Multi-Family Housing Direct Loans: Affordable Rural Housing and Development Support (National)
The USDA Multi-Family Housing Direct Loans is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Multi-Family Housing Loan Guarantees: Affordable Rural Housing and Development Support (National)
The USDA Multi-Family Housing Loan Guarantees is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Farm Labor Housing Direct Loans & Grants: Affordable Rural Housing and Development Support (National)
The USDA Farm Labor Housing Direct Loans & Grants is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Housing Preservation & Revitalization Demonstration Loans & Grants: Affordable Rural Housing and Development Support (National)
The USDA Housing Preservation & Revitalization Demonstration Loans & Grants is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Community Facilities Direct Loan & Grant Program: Affordable Rural Housing and Development Support (National)
The USDA Community Facilities Direct Loan & Grant Program is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Rural Community Development Initiative Grants: Affordable Rural Housing and Development Support (National)
The USDA Rural Community Development Initiative Grants is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Intermediary Relending Program: Affordable Rural Housing and Development Support (National)
The USDA Intermediary Relending Program is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
USDA Rural Business Development Grants: Affordable Rural Housing and Development Support (National)
The USDA Rural Business Development Grants is a U.S. Department of Agriculture (USDA) initiative to support rural housing, repairs, construction, and community development for low- and moderate-income households.
HUD Section 184 Indian Home Loan Guarantee Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Section 184 Indian Home Loan Guarantee Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD Section 184A Native Hawaiian Housing Loan Guarantee Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Section 184A Native Hawaiian Housing Loan Guarantee Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD Section 202 Supportive Housing for the Elderly Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Section 202 Supportive Housing for the Elderly Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD Section 811 Supportive Housing for Persons with Disabilities: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Section 811 Supportive Housing for Persons with Disabilities is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD Choice Neighborhoods Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Choice Neighborhoods Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD Title VI Loan Guarantee Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Title VI Loan Guarantee Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD Community Development Block Grant (CDBG): Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Community Development Block Grant (CDBG) is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD HOME Investment Partnerships Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD HOME Investment Partnerships Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD Neighborhood Stabilization Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Neighborhood Stabilization Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD Good Neighbor Next Door Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Good Neighbor Next Door Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD Dollar Homes Initiative: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD Dollar Homes Initiative is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD 223(f) Loan Insurance for Purchase/Refinance: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD 223(f) Loan Insurance for Purchase/Refinance is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD 221(d)(4) New Construction Loan: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD 221(d)(4) New Construction Loan is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD 108 Loan Guarantee Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD 108 Loan Guarantee Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD 232 Healthcare Facility Program: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD 232 Healthcare Facility Program is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
HUD 242 Hospital Mortgage Insurance: Federal Support for Housing, Lending, or Energy Assistance (National)
The HUD 242 Hospital Mortgage Insurance is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae HomeReady Mortgage: Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae HomeReady Mortgage is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae HomeStyle Energy Mortgage: Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae HomeStyle Energy Mortgage is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae HomeStyle Renovation Mortgage: Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae HomeStyle Renovation Mortgage is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae 3-2-1 Buydown Mortgage: Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae 3-2-1 Buydown Mortgage is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae HFA Preferred Mortgage: Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae HFA Preferred Mortgage is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae MH Advantage (Manufactured Housing): Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae MH Advantage (Manufactured Housing) is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae High LTV Refinance Option: Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae High LTV Refinance Option is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae Native American Conventional Lending Initiative: Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae Native American Conventional Lending Initiative is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae Community Seconds: Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae Community Seconds is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
Fannie Mae Community Land Trust Mortgage: Federal Support for Housing, Lending, or Energy Assistance (National)
The Fannie Mae Community Land Trust Mortgage is a federal initiative designed to expand access to housing, community development, or clean energy for eligible households and communities.
About Homebuyer Programs in New Jersey
New Jersey offers 100 homebuyer assistance programs designed to help first-time buyers achieve homeownership. These programs include down payment assistance, closing cost grants, reduced interest rate loans, and educational resources.
Program Types Available:
- Down payment assistance programs
- Closing cost grant programs
- Low-interest rate loan programs
- First-time homebuyer education courses
- Special programs for teachers, healthcare workers, and veterans