Down payment assistance

Down payment assistance in Middlesex County, NJ

68 programs a Middlesex County buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

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Programs available: 68
Open to first-time buyers: 31
Forgivable: 56
Largest award: $30,000

68 programs

In Middlesex County

5 programs

City of Perth Amboy Down Payment Assistance for First-Time Homebuyers

City of Perth Amboy Office of Housing & Social Services

Up to $14,000

Deferred second loan · Income limits

First-timeTargeted area

Verified Jun 2026

Middlesex County American Dream Downpayment Program

Middlesex County Division of Housing, Community Development & Social Services

Up to $5,000

Deferred second loan · Forgiven over 5 yrs · Income limits

First-time

Verified Jun 2026

American Dream Downpayment Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time

Esperanza Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeTargeted area

Verified Jun 2026

First Time Home Buyers (FTHB)

Forgivable

Forgivable loan · Forgiven over 10 yrs · Income limits

First-time

Across New Jersey

14 programs

Homebuyer Dream Program (HDP)

Federal Home Loan Bank of New York (via participating member lenders)

Up to $30,000

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time

Verified Jun 2026

Homebuyer Dream Program Plus (HDP Plus)

Federal Home Loan Bank of New York (via participating member lenders)

Up to $30,000

Assistance grant · Income limits

First-timeTargeted area

Verified Jun 2026

Homebuyer Dream Program Wealth Builder

Federal Home Loan Bank of New York (via participating member lenders)

Up to $30,000

Assistance grant · Income limits

First-timeTargeted area

Verified Jun 2026

NJHMFA Down Payment Assistance Program (DPA)

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

Up to $15,000

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeTargeted areaVeterans

Verified Jun 2026

Housing Partnership First-Time Homebuyer Down Payment Assistance Program

Housing Partnership (NeighborWorks HomeOwnership Center)

Up to $10,000

Deferred second loan · Income limits

First-time

Verified Jun 2026

Wells Fargo Homebuyer Access Grant

Wells Fargo Bank, N.A.

Up to $10,000

Assistance grant · Income limits

Targeted area

Verified Jun 2026

Fulton Bank Closing Cost Assistance Program (CCAP) Secured

Fulton Mortgage Company (Fulton Bank, N.A.)

Up to $5,000

Forgivable loan · Income limits

Verified Jun 2026

PNC Bank Home Lending Grants (PNC Grant / Low-Income Grant / LMI Borrower Grant)

PNC Bank, N.A.

Up to $5,000

Assistance grant · Income limits

Targeted area

Verified Jun 2026

Fulton Bank Closing Cost Assistance Program (CCAP)

Fulton Mortgage Company (Fulton Bank, N.A.) in partnership with Operation HOPE

Up to $4,000

Assistance grant · Income limits

Targeted area

Verified Jun 2026

TD Bank HomeReady Grant

TD Bank, N.A.

Up to $2,500

Assistance grant · Income limits

First-time

Verified Jun 2026

First Generation Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeTargeted areaVeterans

Verified Jun 2026

NJCC Statewide Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time

Verified Jun 2026

NJHMFA First-Time Homebuyer Mortgage Program

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

First mortgage

First mortgage · Income limits

First-timeTargeted areaVeterans

Verified Jun 2026

NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

First mortgage

First mortgage · New construction

Verified Jun 2026

Federal

49 programs

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide

Verified Jun 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide

Verified Jun 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide

Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

Land Home Financial Services, Inc. House2Home Program

Deferred

Deferred second loan · Income limits

Nationwide

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide

Verified Jun 2026

Lennar Mortgage Breathe Easy Program

Grant

Assistance grant · New construction

Nationwide

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide

Verified Jun 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans

Verified Jun 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans

Verified Jun 2026

New American Funding Pathway to Homeownership

Grant

Assistance grant · Income limits

First-timeNationwide

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area

Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide

Verified Jun 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide

Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide

Verified Jun 2026

Tricon Down Payment Assistance Program

Deferred

Deferred second loan · Income limits

Nationwide

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide

Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide

Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators

Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans

Verified Jun 2026

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Grant

Assistance grant · Income limits

NationwideVeterans

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans

Verified Jun 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Rural Development (Vermont/New Hampshire State Office)

First mortgage

First mortgage · New construction · Income limits

Nationwide

Verified Jun 2026

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Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

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Questions, answered

The honest answers first

Do I need to share my SSN or get a credit check?

No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.

Is this free?

Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.

Are these all the programs?

We list active programs we've verified for Middlesex County and New Jersey, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.

Can I use more than one?

Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.

How current is this?

We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.