Gloucester County Homebuyer Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Gloucester County
Buying a home in Clayton, NJ
1 county program and 19 statewide.Clayton has no program of its own, 1 across Gloucester 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 Clayton
No program of Clayton’s own yet
No program run for Clayton alone is listed. A home in Clayton can use Gloucester County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Vineland, about 13 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in GloucesterAnywhere in Gloucester County
1 county program1 county program a Clayton homebuyer can use
The Clayton marketThe Clayton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Clayton
- 81.7% single-familysingle-family
- 2.5% townhousetownhouse
- 3.9% 2–4 units2–4 units
- 11.7% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
Condos count. Clayton’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Clayton’s homes were built
pre-19401970s2020+
58%
of Clayton 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, Gloucester County, 4-person household (2026)
$90,274
Clayton median household incomeMedian household income in Clayton (Census, 2024)
21 of the 82 programs here set their income limit as a share of Gloucester County’s area median income, adjusted for household size. See the published limits for Gloucester County
Free help nearbyFree help near Clayton
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Clayton’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Gloucester County Homebuyer Down Payment Assistance 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
Clayton questions
Does Clayton have its own down payment program?
No program run for Clayton alone is listed. A home in Clayton can use the 1 program that cover Gloucester County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Clayton?
Clayton’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 Gloucester County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Gloucester 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 Clayton?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
08312
Nearby in Gloucester
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.