Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program
Down-payment assistance · New construction · Income limits
single_family
See details Jul 2026
Down payment assistance · New Jersey
Buying a home in Union County, NJ
1 county-wide program, 1 city with their own, plus 14 statewide and 62 nationwide.Union has 1 program that covers the whole county and 1 city 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 UnionAnywhere in Union County
1 program for every Union address1 program that covers every Union address
This is run for the whole county, so a home in Plainfield, Elizabeth or Union can use it.
Only inside city limits
1 city with their own program1 Union city 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.
The Union marketThe Union housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Union
- 49.7% single-familysingle-family
- 4.8% townhousetownhouse
- 24.8% 2–4 units2–4 units
- 20.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Union’s homes were built
pre-19401970s2020+
78.3%
of Union 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.
$138,400
HUD area median income, 4 people (FY2026)HUD area median income, Union County, 4-person household (FY2026)
$103,202
Median household income (ACS 2024 5-year)Median household income in Union (Census ACS 2024 5-year)
57.4%
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. 18 of the 78 programs here set their income limit as a share of Union County’s area median income, adjusted for household size. See the published limits for Union County
Free help in UnionFree help in Union
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Union County
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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 Union County.
21 cities and placesA to Z
All cities in Union CountyAll 21 cities and places in Union County
has a program of its own
Union questions
Can I use a county program anywhere in Union?
The 1 county-wide program cover homes anywhere in the county. City programs, like Plainfield’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 Union 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 Union programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Union?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Union 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.