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Down payment assistance

Down payment assistance in Guttenberg, NJ

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

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Programs available
83

Programs available

Open to first-time buyers
31

Open to first-time buyers

Forgivable
71

Forgivable

Largest award
$126,526

Largest award

83 programs

In Hudson County

2 programs

Address Yourself Down Payment Assistance (Hudson County)

Hudson County Economic Development Corporation (HCEDC), in partnership with New Jersey Community Capital (Address Yourself) and Navicore Solutions

Up to $15,000

Assistance grant · Income limits

Targeted areaVeterans
Verified Jul 2026See details →

Golden Neighborhood Homeownership Program

Forgivable

Forgivable loan · Forgiven over 10 yrs · Income limits

First-timeTargeted area
Verified Jul 2026See details →

Across New Jersey

19 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 Aug 2026See details →

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 Aug 2026See details →

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 Aug 2026See details →

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 Jul 2026See details →

Bank of America Down Payment Grant

Bank of America, N.A.

Up to $10,000

Assistance grant · Income limits

First-timeTargeted area
Verified Aug 2026See details →

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 Aug 2026See details →

Wells Fargo Homebuyer Access Grant

Wells Fargo Bank, N.A.

Up to $10,000

Assistance grant · Income limits

Targeted area
Verified Aug 2026See details →

Bank of America America's Home Grant

Bank of America, N.A.

Up to $7,500

Assistance grant · Income limits

Targeted area
Verified Aug 2026See details →

Chase Homebuyer Grant

JPMorgan Chase Bank, N.A.

Up to $5,000

Assistance grant · Income limits

Targeted area
Verified Aug 2026See details →

Columbia Bank Access Homeownership Grant

Columbia Bank (New Jersey)

Up to $5,000

Assistance grant · Forgiven over 2 yrs · Income limits

First-timeTargeted area
Verified Jul 2026See details →

Fulton Bank Closing Cost Assistance Program (CCAP) Secured

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

Up to $5,000

Forgivable loan · Income limits

Verified Aug 2026See details →

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 Jul 2026See details →

Wells Fargo Dream Plan Home Closing Cost Credit

Wells Fargo Bank, N.A.

Up to $5,000

Assistance grant · Income limits

Targeted area
Verified Jul 2026See details →

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 Jul 2026See details →

TD Bank HomeReady Grant

TD Bank, N.A.

Up to $2,500

Assistance grant · Income limits

First-time
Verified Aug 2026See details →

First Generation Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeTargeted areaVeterans
Verified Jul 2026See details →

NJCC Statewide Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time
Verified Jul 2026See details →

NJHMFA First-Time Homebuyer Mortgage Program

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

First mortgage

First mortgage · Income limits

First-timeTargeted areaVeterans
Verified Jul 2026See details →

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 Aug 2026See details →

Federal

62 programs

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

Up to $126,526

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026See details →

America First Credit Union 100% No PMI Adjustable-Rate Mortgage

First mortgage

First mortgage

Nationwide
Verified Jul 2026See details →

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026See details →

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Chase Bank Homebuyer Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Sep 2026See details →

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Citibank, N.A. HomeRun Mortgage

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area
Verified Jul 2026See details →

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Essex Mortgage 10 Year Amortized 2 Plus

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Essex Mortgage Forgivable/Deferred Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Fairway Independent Mortgage Corporation Affordable Housing

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Fairway Independent Mortgage Corporation HOPER's Incentive Program

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

First Bank Thrive Mortgage Loan

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026See details →

Flagstar - Flagstar Gift Program

0.03% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

Great Nevada Mortgage Middle-Income Downpayment Assistance Grants

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide
Verified Jul 2026See details →

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area
Verified Jul 2026See details →

HSBC Bank USA CommunityWorks

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Land Home Financial Services, Inc. House2Home Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026See details →

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jul 2026See details →

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026See details →

MEP Advantage DPA Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide
Verified Jul 2026See details →

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jul 2026See details →

National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jul 2026See details →

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jul 2026See details →

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026See details →

Pathway Homes Essential Workers Program

Assistance

Shared-appreciation loan · Income limits

NationwideEducators
Verified Jun 2026See details →

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026See details →

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026See details →

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026See details →

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jul 2026See details →

Susan's Savings First Time Home Buyers Program

Grant

Assistance grant · New construction · Income limits

First-timeNationwide
Verified Jul 2026See details →

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026See details →

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026See details →

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 Jul 2026See details →

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

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026See details →

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

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

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

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026See details →

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

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026See details →

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

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026See details →

USDA Rural Development Single Family Housing Guaranteed Loan Program

First mortgage

First mortgage · Income limits

Nationwide
Verified Jul 2026See details →

Valley First Credit Union Middle Income Homebuyer Program

Grant

Assistance grant · Income limits

First-timeNationwide
See details →

What’s local to Guttenberg

There are no programs run by Guttenberg itself. A Guttenberg buyer uses Hudson County’s programs, plus the statewide and federal ones above — all of which are open to them.

The closest city that runs its own program is Jersey City, about 6 miles away. City programs usually require the home to be inside that city’s limits — worth checking if you’re still choosing where to buy.

HUD puts the 2026 area median income for Hudson County at $110,100 for a four-person household. 21 of the programs listed here set an income limit as a percentage of that figure, which is why the same program admits a different income in a different county. Published limits for New Jersey →

All Hudson County programs →

90-second match

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.

Find my programs

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 Guttenberg 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.

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