Your real New Jersey affordability, the NJHMFA Down Payment Assistance Program match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your New Jersey number — free →Up to $15,000, varies by county.
Official New Jersey program page →New Jersey's main statewide option is the NJHMFA Down Payment Assistance Program — Up to $15,000, varies by county. It is a second loan. Cities and counties in New Jersey often add their own programs on top.
It depends on your income, debts and credit — the calculator applies the FHA 31%/43% DTI rule to estimate your price, then shows how much of your down-payment gap the NJHMFA Down Payment Assistance Program could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Requirements are set by the agency — verify current terms on the official NJHMFA Down Payment Assistance Program page before applying.