Morris Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Morris County
Buying a home in Budd Lake, NJ
1 county program and 19 statewide.Budd Lake has no program of its own, 1 across Morris County, and 19 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Budd Lake
No program of Budd Lake’s own yet
No program run for Budd Lake alone is listed. A home in Budd Lake can use Morris County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Bedminster, about 14 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MorrisAnywhere in Morris County
1 county program1 county program a Budd Lake homebuyer can use
The Budd Lake marketThe Budd Lake housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Budd Lake
- 69% single-familysingle-family
- 8% townhousetownhouse
- 8% 2–4 units2–4 units
- 15% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Budd Lake’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Budd Lake’s homes were built
pre-19401970s2020+
63%
of Budd Lake homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$138,400
County area median income, 4 people (HUD)HUD area median income, Morris County, 4-person household (2026)
$114,154
Budd Lake median household incomeMedian household income in Budd Lake (Census, 2024)
20 of the 82 programs here set their income limit as a share of Morris County’s area median income, adjusted for household size. See the published limits for Morris County
Free help nearbyFree help near Budd Lake
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Budd Lake’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Morris Habitat for Humanity Homeownership Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across New Jersey and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Budd Lake questions
Does Budd Lake have its own down payment program?
No program run for Budd Lake alone is listed. A home in Budd Lake can use the 1 program that cover Morris County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Budd Lake?
Budd Lake’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Morris County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Morris County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Budd Lake?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Budd Lake. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
07828
Nearby in Morris
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.