Homebuyer Dream Program (HDP)
Forgivable loan · Forgiven over 5 yrs · Income limits · First-time
Down payment assistance · New Jersey
Buying a home in New Jersey
71 programs: 19 statewide, the rest run by counties and 21 cities. What you can use depends on where the home is.71 programs across New Jersey: 19 statewide, the rest run by counties and 21 cities. What you can use depends on where the home is.
Free · No SSN · No credit pull
Start with your county
Local help, prices and income limits differ county to county
- Camden5 local programs · $287,100 · AMI $122,700
- Essex5 local programs · $524,100 · AMI $138,400
- Middlesex5 local programs · $462,900 · AMI $154,800
- Somerset5 local programs · $552,100 · AMI $154,800
- All 21 counties
Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July–August 2026.
Anywhere in New Jersey
19 statewide programs
Homebuyer Dream Program Plus (HDP Plus)
Assistance grant · Income limits · First-time
Homebuyer Dream Program Wealth Builder
Assistance grant · Income limits · First-time
- Veterans · 5
- First responders · 1
- Healthcare workers · 1
- First-generation homebuyers · 1
- With conventional · 36
- With FHA · 31
- With VA · 30
- With USDA · 30
Plus 62 nationwide programs. See them See nationwide programs
Free help from a person
43 HUD-approved counseling agencies in New Jersey43 HUD-approved housing counseling agencies in New Jersey
9 of the 19 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.9 of the 19 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.
Find my counselor
Free account → 90-second match → your counselors
Income limitsIncome limits and price caps in New JerseyArea median income for all 21 counties, and the limit each program sets.See the limits
New Jersey questions
What is Homebuyer Dream Program (HDP)?
Homebuyer Dream Program (HDP), a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits), open anywhere in New Jersey and run by Federal Home Loan Bank of New York (via participating member lenders). Its page has the details and a link to the official site.
Which New Jersey counties run their own programs?
20 counties of 21 have a county or city program listed, among them Camden, Essex, Middlesex and Somerset. The table above lists them, and each county page has its own programs.
Do I need a homebuyer class in New Jersey?
Many programs ask for one. 9 of the 19 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.
Can I use assistance on a New Jersey condo?
14 of the 19 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.
21 New Jersey cities with their own program