American Dream First Time Homebuyer Program (Bergen County)
Deferred second loan · Forgiven over 10 yrs · Income limit 80% of AMI
Single Family, Condo
See details Aug 2026
Down payment assistance · New Jersey
Buying a home in Bergen County, NJ
2 county-wide programs, plus 14 statewide and 62 nationwide.Bergen has 2 programs that cover the whole county. On top of those, 14 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in BergenAnywhere in Bergen County
2 programs for every Bergen address2 programs that cover every Bergen address
All 2 ask for a homebuyer class.These are run for the whole county, so a home in Hackensack, Teaneck or Fort Lee can use them. All 2 ask for a homebuyer class.
Habitat for Humanity of Bergen County Homeownership Program
Down-payment assistance · New construction
single_family
See details Aug 2026
AMI is HUD’s area median income for Bergen, adjusted for household size. Each program publishes its own dollar limits.
The Bergen marketThe Bergen housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Bergen
- 53.1% single-familysingle-family
- 5.8% townhousetownhouse
- 18.2% 2–4 units2–4 units
- 22.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
Condos count. 1 of the 2 county-wide programs list condos as eligible. Habitat for Humanity of Bergen County Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bergen’s homes were built
pre-19401970s2020+
73.8%
of Bergen 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.
$139,100
HUD area median income, 4 people (FY2026)HUD area median income, Bergen County, 4-person household (FY2026)
$124,884
Median household income (ACS 2024 5-year)Median household income in Bergen (Census ACS 2024 5-year)
65.3%
of occupied homes are owner-occupied (New Jersey: 63.8%)
The two income figures measure different things. HUD’s area median income is the one programs use. 19 of the 78 programs here set their income limit as a share of Bergen County’s area median income, adjusted for household size. See the published limits for Bergen County
Free help in BergenFree help in Bergen
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Bergen County
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
Find my counselor
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Bergen County.
66 cities and placesA to Z
All cities in Bergen CountyAll 66 cities and places in Bergen County
- Allendale
- Alpine
- Bergenfield
- Bogota
- Carlstadt
- Cliffside Park
- Closter
- Cresskill
- Demarest
- Dumont
- East Rutherford
- Edgewater
- Elmwood Park
- Emerson
- Englewood
- Englewood Cliffs
- Fair Lawn
- Fairview
- Fort Lee
- Franklin Lakes
- Garfield
- Glen Rock
- Hackensack
- Harrington Park
- Hasbrouck Heights
- Haworth
- Hillsdale
- Ho-Ho-Kus
- Leonia
- Little Ferry
- Lodi
- Lyndhurst
- Mahwah
- Maywood
- Midland Park
- Montvale
- Moonachie
- New Milford
- North Arlington
- Northvale
- Norwood
- Oakland
- Old Tappan
- Oradell
- Palisades Park
- Paramus
- Park Ridge
- Ramsey
- Ridgefield
- Ridgefield Park
- Ridgewood
- River Edge
- River Vale
- Rochelle Park
- Rutherford
- Saddle Brook
- Saddle River
- Teaneck
- Tenafly
- Upper Saddle River
- Waldwick
- Wallington
- Westwood
- Wood-Ridge
- Woodcliff Lake
- Wyckoff
Bergen questions
Can I use a county program anywhere in Bergen?
The 2 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Bergen County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Bergen programs accept condos?
1 of the 2 county-wide programs list condos as eligible. Habitat for Humanity of Bergen County Homeownership Program lists single_family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Bergen?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Bergen County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.