Forgivable loan
Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)
First-time homebuyers · Income limits · Single Family · 2-4 Unit · Condo
Down payment assistance · Essex County
Buying a home in Irvington, NJ
1 Irvington program, 1 county program and 19 statewide.Irvington has 1 program of its own, 1 more across Essex County, and 19 statewide. Here is what each one offers, and who near you can walk you through it.
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Only for Irvington addresses
Irvington’s own program
Anywhere in EssexAnywhere in Essex County
1 county program1 county program a Irvington homebuyer can also use
3 more programs are for homes in Newark and East Orange. See them 3 programs in neighboring cities — for homes inside those cities, not Irvington
- Newark — Newark Municipal Employee Housing Assistance Program
- East Orange — East Orange HOMEBuyers Purchase Program
- Newark — Live Newark Home Closing Cost Program
Income limits in Essex County
How programs here set their income limits
$138,400
County area median income, 4 people (HUD)HUD area median income, Essex County, 4-person household (2026)
21 of the 83 programs here set their income limit as a share of Essex County’s area median income, adjusted for household size. See the published limits for Essex County
Free help nearbyFree help near Irvington
34 HUD-approved counseling agencies within 15 miles34 HUD-approved housing counseling agencies within 15 miles
Irvington’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Township of Irvington Homeownership Program (First-Time Homebuyer / HOME) asks 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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Across New Jersey and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Irvington questions
Does Irvington have its own down payment program?
Yes, one: Township of Irvington Homeownership Program (First-Time Homebuyer / HOME), a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Irvington.
Can I use assistance on a condo in Irvington?
All 2 of Irvington’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Essex County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Essex County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Irvington?
HUD-approved housing counseling agencies teach homebuyer classes, and 34 agencies are within 15 miles of Irvington. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
07111
Nearby in Essex
Sources
Sources: agency sites (July–August 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.