First mortgage
NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program
First mortgage
Names: first responders
See details →Programs by situationPrograms by situation · New Jersey
Down payment assistance for first responders in New Jersey
1 program names first responders: 1 statewide.1 program in New Jersey names first responders among the groups it serves: 1 open statewide.
Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a first responder puts a program on this list; it does not decide whether you can use it.Each program below also sets its own income limit, purchase price cap, occupancy rule and credit requirement. Being a first responder gets a program onto this list; it does not decide whether you can use it.
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The 1 program, closest first
Open anywhere in New Jersey
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in New Jersey. Listed A–Z within each group, not ranked.
In a New Jersey city 0 programs
No New Jersey city program names first responders. 21 cities run a program of their own.No New Jersey city program names first responders in its record. 21 New Jersey cities run a program of their own, open to eligible homebuyers whatever their work or service. Browse New Jersey cities →
Anywhere in New Jersey 1 program
Can sit alongside a city or county program where both allow itNationwide 2 programs · not in the 1
Nationwide: 2 more, not in the 12 nationwide programs that also name first responders, each with its own area and eligibility rules
What to know
What the 1 record say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 0 of 1
ask for a homebuyer education class.
- 0 of 1
are limited to first-time homebuyers, as each program defines it.
- 1 of 1
name an FHA, VA, USDA or conventional loan they can be paired with.
Free help in New JerseyFree help in New Jersey
43 HUD-approved counseling agencies in New Jersey43 HUD-approved housing counseling agencies in New Jersey
A HUD-approved counselor teaches homebuyer classes and can walk you through every rule a program sets.A HUD-approved counselor teaches homebuyer classes and can walk you through every rule a program sets, including the ones that have nothing to do with being a first responder. Create a free account to see who’s near you.
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More of New Jersey’s programs
Questions, answered
Does being a first responder mean I can use these programs?
No. These programs name first responders in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.
Why are nationwide programs listed separately?
A nationwide program is not one of New Jersey’s own, so it is listed below the 1 New Jersey program and not counted in them. Each one sets its own area and eligibility rules; its page has the details.
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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.