Forgivable loan
First Time Home Buyer Program
First-time homebuyers · Income limits · Single-family detached · Townhome · Rowhouse
Down payment assistance · Camden County
Buying a home in Camden, NJ
2 Camden programs, 2 county programs and 19 statewide.Camden has 2 programs of its own, 2 more across Camden 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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Only for Camden addresses
Camden’s own programs
Down-payment assistance
Saint Joseph's Carpenter Society Affordable Homebuyer Program
First-time homebuyers · New construction · single_family
Anywhere in CamdenAnywhere in Camden County
2 county programs2 county programs a Camden homebuyer can also use
1 more program is for homes in Maple Shade. See them 1 program in neighboring cities — for homes inside those cities, not Camden
- Maple Shade — Habitat for Humanity of South Central NJ Homeownership Program
The Camden marketThe Camden housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Camden
- 12.2% single-familysingle-family
- 53.3% townhousetownhouse
- 15.2% 2–4 units2–4 units
- 18.5% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. 3 of Camden’s 4 local and county programs accept condos. Saint Joseph's Carpenter Society Affordable Homebuyer Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Camden’s homes were built
pre-19401970s2020+
81%
of Camden 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.
$122,700
County area median income, 4 people (HUD)HUD area median income, Camden County, 4-person household (2026)
$40,546
Camden median household incomeMedian household income in Camden (Census, 2024)
23 of the 85 programs here set their income limit as a share of Camden County’s area median income, adjusted for household size. See the published limits for Camden County
Free help nearbyFree help near Camden
45 HUD-approved counseling agencies within 15 miles45 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask 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
Camden questions
Does Camden have its own down payment program?
Yes, 2: First Time Home Buyer Program and Saint Joseph's Carpenter Society Affordable Homebuyer Program. Each is for homes inside Camden.
Can I use assistance on a condo in Camden?
3 of Camden’s 4 local and county programs accept condos. Saint Joseph's Carpenter Society Affordable Homebuyer Program lists single_family. 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 Camden County?
Each program sets its own. 23 of the programs here set theirs as a share of HUD’s area median income for Camden 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 Camden?
HUD-approved housing counseling agencies teach homebuyer classes, and 45 agencies are within 15 miles of Camden. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
08101 · 08102 · 08103 · 08104 · 08105
Nearby in Camden
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.