Middlesex County American Dream Downpayment Program
Deferred second loan · Forgiven over 5 yrs · Income limits
Single-family detached, Townhouse, Condominium, Co-op
See details Jul 2026
Down payment assistance · New Jersey
Buying a home in Middlesex County, NJ
2 county-wide programs, 2 cities with their own, plus 14 statewide and 62 nationwide.Middlesex has 2 programs that cover the whole county and 2 cities with a program of their own. 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 MiddlesexAnywhere in Middlesex County
2 programs for every Middlesex address2 programs that cover every Middlesex address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in New Brunswick, Perth Amboy or Edison can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
American Dream Downpayment Program
Forgivable loan · Forgiven over 5 yrs · Income limit 60% of AMI
Single-family detached, Townhome, Condominium, 2-4 unit owner-occupied
See details Jul 2026
AMI is HUD’s area median income for Middlesex, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
2 cities with their own program2 Middlesex cities with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
The Middlesex marketThe Middlesex housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Middlesex
- 52.4% single-familysingle-family
- 11.1% townhousetownhouse
- 11.7% 2–4 units2–4 units
- 24% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. All 2 county-wide programs and 1 of the 3 city programs list condos as eligible. City of Perth Amboy Down Payment Assistance for First-Time Homebuyers lists single-family (one-family) and two-family. Esperanza Down Payment Assistance Program lists 1-4 family residential property occupied as primary residence.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Middlesex’s homes were built
pre-19401970s2020+
57.4%
of Middlesex 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.
$154,800
HUD area median income, 4 people (FY2026)HUD area median income, Middlesex County, 4-person household (FY2026)
$111,549
Median household income (ACS 2024 5-year)Median household income in Middlesex (Census ACS 2024 5-year)
63.6%
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. 22 of the 81 programs here set their income limit as a share of Middlesex County’s area median income, adjusted for household size. See the published limits for Middlesex County
Free help in MiddlesexFree help in Middlesex
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Middlesex County
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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 Middlesex County.
44 cities and placesA to Z
All cities in Middlesex CountyAll 44 cities and places in Middlesex County
has a program of its own
- Avenel
- Brownville
- Carteret
- Clearbrook Park
- Colonia
- Concordia
- Cranbury
- Dayton
- Dunellen
- East Brunswick
- Edison
- Fords
- Heathcote
- Helmetta
- Highland Park
- Iselin
- Jamesburg
- Kendall Park
- Kingston
- Laurence Harbor
- Madison Park
- Metuchen
- Middlesex
- Milltown
- Monmouth Junction
- New Brunswick
- Old Bridge
- Perth Amboy
- Piscataway
- Plainsboro Center
- Port Reading
- Princeton Meadows
- Rossmoor
- Sayreville
- Sayreville Junction
- Sewaren
- Society Hill
- South Amboy
- South Old Bridge
- South Plainfield
- South River
- Spotswood
- Whittingham
- Woodbridge
Middlesex questions
Can I use a county program anywhere in Middlesex?
The 2 county-wide programs cover homes anywhere in the county. City programs, like New Brunswick’s and Perth Amboy’s, 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 Middlesex 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 Middlesex programs accept condos?
All 2 county-wide programs and 1 of the 3 city programs list condos as eligible. City of Perth Amboy Down Payment Assistance for First-Time Homebuyers lists single-family (one-family) and two-family. Esperanza Down Payment Assistance Program lists 1-4 family residential property occupied as primary residence. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Middlesex?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Middlesex 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.