Forgivable loan
Golden Neighborhood Homeownership Program
First-time homebuyers · Income limits · Single-family detached · Townhome · Condominium
Down payment assistance · Hudson County
Buying a home in Jersey City, NJ
1 Jersey City program, 1 county program and 19 statewide.Jersey City has 1 program of its own, 1 more across Hudson County, and 19 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Jersey City addresses
Jersey City’s own program
Anywhere in HudsonAnywhere in Hudson County
1 county program1 county program a Jersey City homebuyer can also use
The Jersey City marketThe Jersey City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Jersey City
- 7.3% single-familysingle-family
- 7.1% townhousetownhouse
- 31.5% 2–4 units2–4 units
- 54% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Jersey City’s homes were built
pre-19401970s2020+
55.9%
of Jersey City 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.
$110,100
County area median income, 4 people (HUD)HUD area median income, Hudson County, 4-person household (2026)
$97,710
Jersey City median household incomeMedian household income in Jersey City (Census, 2024)
21 of the 83 programs here set their income limit as a share of Hudson County’s area median income, adjusted for household size. See the published limits for Hudson County
Free help nearbyFree help near Jersey City
50 HUD-approved counseling agencies within 15 miles50 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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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Across New Jersey and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Jersey City questions
Does Jersey City have its own down payment program?
Yes, one: Golden Neighborhood Homeownership Program, a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Jersey City.
Can I use assistance on a condo in Jersey City?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Hudson County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Hudson 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 Jersey City?
HUD-approved housing counseling agencies teach homebuyer classes, and 50 agencies are within 15 miles of Jersey City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
07097 · 07302 · 07303 · 07304 · 07305 · 07306 · 07307 · 07308 · 07309 · 07310 · 07311 · 07399
Nearby in Hudson
Sources
Sources: agency sites (July–August 2026), Census ACS 2024 5-year, 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). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.