Somerset County American Dream Downpayment Initiative (ADDI)
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single Family, Condo, Co-op, Manufactured
See details Jul 2026
Down payment assistance · New Jersey
Buying a home in Somerset County, NJ
1 county-wide program, 4 cities with their own, plus 14 statewide and 62 nationwide.Somerset has 1 program that covers the whole county and 4 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 SomersetAnywhere in Somerset County
1 program for every Somerset address1 program that covers every Somerset address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Bedminster, Bridgewater or Voorhees can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Somerset, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
4 cities with their own program4 Somerset cities with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
BedminsterCity page Raritan Valley Habitat for Humanity Homeownership ProgramBedminster TownshipCity page Bedminster Township Down Payment Assistance ProgramBernards TownshipCity page Bernards Township Down Payment and Closing Cost Assistance GrantFranklin TownshipCity page Franklin Township Down Payment and/or Closing Cost Affordability Assistance Grant
The Somerset marketThe Somerset housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Somerset
- 57.8% single-familysingle-family
- 14.5% townhousetownhouse
- 9.8% 2–4 units2–4 units
- 17.7% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
Condos count. The one county-wide program and 1 of the 4 city programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Somerset’s homes were built
pre-19401970s2020+
46.4%
of Somerset 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, Somerset County, 4-person household (FY2026)
$140,374
Median household income (ACS 2024 5-year)Median household income in Somerset (Census ACS 2024 5-year)
74.3%
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. 20 of the 81 programs here set their income limit as a share of Somerset County’s area median income, adjusted for household size. See the published limits for Somerset County
Free help in SomersetFree help in Somerset
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Somerset County
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.4 of the 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.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Somerset County.
27 cities and placesA to Z
All cities in Somerset CountyAll 27 cities and places in Somerset County
has a program of its own
Somerset questions
Can I use a county program anywhere in Somerset?
The 1 county-wide program cover homes anywhere in the county. City programs, like Bedminster’s and Bedminster Township’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 Somerset 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 Somerset programs accept condos?
The one county-wide program and 1 of the 4 city programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Somerset?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Somerset 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.