Down payment assistance income limits in New Jersey
66 down payment assistance programs in New Jersey publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each New Jersey county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Atlantic | 2026 | $97,500 |
| Bergen | 2026 | $139,100 |
| Burlington | 2026 | $122,700 |
| Camden | 2026 | $122,700 |
| Cape May | 2026 | $115,800 |
| Cumberland | 2026 | $89,100 |
| Essex | 2026 | $138,400 |
| Gloucester | 2026 | $122,700 |
| Hudson | 2026 | $110,100 |
| Hunterdon | 2026 | $154,800 |
| Mercer | 2026 | $139,800 |
| Middlesex | 2026 | $154,800 |
| Monmouth | 2026 | $140,600 |
| Morris | 2026 | $138,400 |
| Ocean | 2026 | $140,600 |
| Passaic | 2026 | $139,100 |
| Salem | 2026 | $122,700 |
| Somerset | 2026 | $154,800 |
| Sussex | 2026 | $138,400 |
| Union | 2026 | $138,400 |
| Warren | 2026 | $127,900 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| Address Yourself Down Payment Assistance (Hudson County)Hudson | See programCombined incomes must be lower than $118,350.00 per year (figure shown for a four-person family on the 2020 flyer; see table for other family sizes) | — |
| American Dream Downpayment ProgramMiddlesex | 60% of area median incomeHousehold income at or below 50-60% AMI Middlesex/Edison HMFA per ADDI program targeting. Approximate range $48,800 (1-person) to $92,050 (8-person). | $304,000 |
| American Dream First Time Homebuyer Program (Bergen County)Bergen | 80% of area median incomeHousehold income at or below 80% of the County median per HUD HOME income guidelines; income from all household members over 18 counted. | $523,000 |
| Atlantic City Homebuyers Assistance ProgramAtlantic City · Atlantic | $131,000Total combined income of all adult household members may not exceed $131,000 (tracks NJHMFA annual limits). Income includes wages, tips, pension, unemployment, disability, Social Security, investment income, alimony, child support, business income, rents, royalties, welfare, annuities, death benefits. | $544,000 |
| Atlantic County HUD HOME Down Payment Assistance ProgramAtlantic | 80% of area median incomeCombined household income <= 80% AMI for Atlantic County (2026 HUD). 2026 limits: 1p $60,950; 2p $69,650; 3p $78,350; 4p $87,050; 5p $94,050; 6p $101,000; 7p $107,950; 8p $114,950. | $314,000 |
| AtlantiCare Down Payment Assistance ProgramAtlantic City · Multiple | 120% of area median incomeUp to 120% of HUD Area Median Income for Atlantic County, adjusted for household size. 2025 Atlantic County 100% AMI 4-person ~ $98,100; 120% AMI ~ $117,700 (4-person). Range across household sizes 1-8 approximately $62,400 - $117,700 (for 4-person). See HUD AMI tables. | — |
| Bank of America America's Home Grant | See programEligibility based on income limits and geographic region; specific figures not published. | — |
| Bank of America Down Payment Grant | See programIncome limits apply but specific figures not published; determined by a BofA lending specialist by market. | — |
| Bedminster Township Down Payment Assistance ProgramBedminster Township · Somerset | See programIncome-qualified low/moderate income per NJ affordable housing (UHAC) standards; specific limits posted on AffordableHomesNewJersey.com and not detailed on the township page. | — |
| Bernards Township Down Payment and Closing Cost Assistance GrantBernards Township · Somerset | 80% of area median incomeTied to the deed-restricted affordable housing program (households <80% AMI); confirm exact income limits for the specific unit with CJHRC. | — |
| Burlington County First Time Homebuyer ProgramBurlington | 80% of area median incomeHousehold income at or below 80% Area Median Income (AMI) for Camden-Cherry Hill HMFA per HUD. Approximate 2025 80% AMI: $52,950 (1-person) to $99,800 (8-person). | — |
| Camden County First-Time Homebuyers' ProgramCamden | 80% of area median incomeHousehold income at/below 80% AMI (HUD HOME limits) for the Philadelphia-Camden-Wilmington PA-NJ-DE-MD MSA (Effective June 2024): 1 $64,250; 2 $73,400; 3 $82,600; 4 $91,750; 5 $99,100; 6 $106,450; 7 $113,800; 8 $121,150. | $290,000 |
| Chase Homebuyer Grant | See programNo income limit on the grant; eligibility is geography-based (eligible LMI/selected census tract). | — |
| City of Passaic First Time Homebuyer Assistance ProgramPassaic · Passaic | 80% of area median incomeApplicant must be Low Income (<=80% AMI) or Very Low Income (<=50% AMI) per HUD limits for the Passaic area; income per 24 CFR Part 5. Specific dollar limits by household size not listed in the agreement. | — |
| City of Perth Amboy Down Payment Assistance for First-Time HomebuyersPerth Amboy · Middlesex | 80% of area median incomeFamily must meet HUD low/moderate-income guidelines for the area; specific dollar limits by household size not published on the city page. | — |
| City of Trenton First Time Homebuyer ProgramTrenton · Mercer | 80% of area median incomeHousehold income at or below 80% AMI Trenton-Princeton HMFA. Approximate 2025: $68,500 (1-person) to $129,100 (8-person). | — |
| Columbia Bank Access Homeownership Grant | 80% of area median incomeApplicants must earn less than 80% of the FFIEC Median Family Income limits for the applicable calendar year. | — |
| Cumberland County NJ Habitat for Humanity Homeownership ProgramVineland · Cumberland | See programIncome guidelines 40%-60% of county median income for family selection (min $42,500 / max $68,000 for up to a family of 4); separately, steady income less than 80% AMI with a minimum of $40,000 | — |
| East Orange HOMEBuyers Purchase ProgramEast Orange · Essex | 80% of area median incomeHousehold income at or below 80% AMI Essex County / New York-Newark HMFA. Approximate 2025: $66,300 (1-person) to $124,950 (8-person). | $920,000 |
| East Trenton Collaborative (ETC) Down Payment Assistance ProgramTrenton · Mercer | 100% of area median incomeUp to 100% of HUD Area Median Income for Mercer County, adjusted for household size. Approximate range (2025 HUD): 1-person ~ $88,400; 4-person ~ $126,200; 8-person ~ $166,600. Statewide cross-county range $88,400 - $166,600. | — |
| Esperanza Down Payment Assistance ProgramNew Brunswick · Middlesex | 100% of area median incomeUp to 100% of HUD Area Median Income for Middlesex County (within New York-Jersey City-White Plains, NY-NJ HUD MFI area), adjusted for household size. Cross-county statewide reference range: 1-person $100,100 up to 8-person $188,700. New Brunswick / Middlesex County specific 100% AMI: 1-person ~ $100,100; 4-person ~ $142,300; 8-person ~ $188,700. | — |
| Essex County Homebuyer Assistance Program (HAP)Essex | See programLimited to low-income households; HUD income limits by household size determined by the Division of Housing & Community Development. Exact dollar limits not published in the brochure. | $479,000 |
| First Generation Down Payment Assistance ProgramStatewide · Statewide | $176,410Household income limits vary by county, household size, and Urban Target Area (UTA) status, and are based on the NJHMFA First-Time Homebuyer Mortgage Program limits (115% of AMI non-target, up to 140% of AMI in UTAs). Statewide range across all counties and households (effective 2025-2026): approximately $131,700 (1-2 person, lowest non-UTA county) up to $176,410 (3+ person, highest UTA county). See NJHMFA Purchase Price and Income Limits document at https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/ | $2.4M |
| First Time Home Buyer ProgramCamden · Camden | 80% of area median incomeHousehold income at or below 80% AMI Camden HMFA. Approximate 2025: $62,500 (1-person) to $117,850 (8-person). | — |
| First Time Home Buyers (FTHB)Perth Amboy · Middlesex | 120% of area median incomeTiered AMI eligibility (50%, 80%, 120% AMI bands) for Middlesex/Edison HMFA. Approximate range $32,200 (1-person, 50% AMI) to $137,550 (8-person, 120% AMI). | — |
| First Time Homebuyer ProgramCamden | 80% of area median incomeHousehold income at or below 80% AMI Camden HMFA per HUD. Approximate 2025 80% AMI: $64,250 (1-person) to $121,150 (8-person). | $290,000 |
| First-Time Homebuyer's ProgramPaterson · Passaic | 80% of area median incomeHousehold income at or below 80% AMI Bergen-Passaic HMFA. Approximate 2025: $68,500 (1-person) to $129,100 (8-person). | — |
| Franklin Township Down Payment and/or Closing Cost Affordability Assistance GrantFranklin Township · Somerset | See programIncome-qualified for an affordable unit in Franklin Township (low/moderate income per COAH/UHAC); specific limits set by household size and not published on the CJHRC summary. | — |
| Fulton Bank Closing Cost Assistance Program (CCAP) | See programQualifying income limits apply for the additional down payment/closing-cost amounts; base $2,500 closing-cost grant tied to LTV ratio of 95% or higher. Specific dollar limits vary by program/location. | — |
| Fulton Bank Closing Cost Assistance Program (CCAP) Secured | See programAssistance amount (up to $5,000) is based on purchase property location and qualifying homebuyer income; specific limits not published on the program page. | — |
| Gloucester County Homebuyer Down Payment Assistance ProgramGloucester | 80% of area median incomeHousehold income at or below 80% AMI Camden HMFA. Approximate 2025: $64,250 (1-person) to $121,150 (8-person). | $290,000 |
| Golden Neighborhood Homeownership ProgramJersey City · Hudson | 80% of area median incomeTiered AMI eligibility for Hudson County / New York-Newark HMFA: 50% AMI ($43,500 1-person), 80% AMI ($69,600 1-person), 120% AMI ($109,300 1-person upper bound). Higher tiers receive lower assistance amounts. | — |
| Habitat for Humanity Northwest New Jersey Homeownership ProgramWashington · Warren | See programIncome requirements specified in the application/mortgage pre-qualification package | — |
| Habitat for Humanity of Greater Newark Homeownership ProgramNewark · Essex; Hudson; Union | See programLow- and moderate-income families in Essex, Hudson, and Union Counties; general Habitat guideline ~60% AMI; specific tables not published. | — |
| Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership ProgramPlainfield · Union | See programIncome within Habitat guidelines (general Habitat US guidance: not exceed 60% AMI; confirm affiliate cycle-specific limits) | — |
| Habitat for Humanity of Salem County Homeownership ProgramCarneys Point · Salem | See programFamily Selection income requirement of 40% to 60% of county median income; minimum income (up to family of 4) approx $31,321 and maximum approx $46,980 per the affiliate page (2016 median, used as of 2022) | — |
| Habitat for Humanity of South Central NJ Homeownership ProgramMaple Shade · Camden | See programBurlington/Camden 4-person low $57,350 / moderate $91,760. Atlantic 4-person low $49,180 / moderate $78,688. Mercer 4-person low $65,027 / moderate $104,043. Full tables by county and family size on program page. | — |
| Home Ownership Assistance Program (HOAP)Vineland · Cumberland | See programIncome limits set administratively per program-year cycle (typically 80% AMI Vineland-Bridgeton HMFA when applied). Contact Vineland Department of Community Development for current values. | — |
| Homebuyer Dream Program (HDP)Statewide | 80% of area median incomeHousehold income <= 80% AMI (NY/NJ use Mortgage Revenue Bond limits; county-specific). | — |
| Homebuyer Dream Program Plus (HDP Plus)Statewide | 120% of area median incomeNY/NJ: income > 80% but <= 120% AMI (Mortgage Revenue Bond standard; county-specific). | — |
| Homebuyer Dream Program Wealth BuilderStatewide | 120% of area median incomeNY/NJ: income <= 120% AMI (Mortgage Revenue Bond standard; county-specific). Borrower must also be a first-generation homebuyer. | — |
| Housing Partnership First-Time Homebuyer Down Payment Assistance ProgramStatewide | 115% of area median incomeGross household income (all adults 18+) under 115% of HUD median income. 2025 HUD 115% limits: 1p $106,019; 2p $121,164; 3p $136,310; 4p $151,455; 5p $163,571; 6p $175,686; 7p $187,802; 8p $199,917. | $548,250 |
| Live Newark Home Closing Cost ProgramNewark · Essex | 80% of area median incomeHousehold income at or below 80% AMI Essex County / New York-Newark HMFA. Approximate 2025: $66,300 (1-person) to $124,950 (8-person). | — |
| Mercer County Consortium HOME First-Time Homebuyer ProgramMercer | 80% of area median incomeHousehold income at or below 80% AMI Trenton-Princeton HMFA. Approximate 2025: $66,300 (1-person) to $124,950 (8-person). | $309,000 |
| Middlesex County American Dream Downpayment ProgramMiddlesex | $69,700Total household income limits by household size: 1-person $48,800; 2-person $55,800; 3-person $62,750; 4-person $69,700; 5-person $75,300; 6-person $80,900; 7-person $86,450; 8-person $92,050. | $304,000 |
| Monmouth County First-Time Home Buyers ProgramMonmouth | 80% of area median incomeHousehold income at or below 80% AMI Monmouth-Ocean / New York-Newark HMFA. Approximate 2025: $68,500 (1-person) to $129,100 (8-person). | $885,000 |
| Monmouth County Habitat for Humanity Homeownership ProgramAsbury Park · Monmouth | 80% of area median incomeIncome between 60-80% of Monmouth County AMI. 2025 moderate limits (min-max): 1p $67,896-$75,440; 2p $77,544-$86,160; 3p $87,264-$96,960; 4p $96,912-$107,680; 5p $104,688-$115,320; 6p $112,464-$124,960. | — |
| Morris Habitat for Humanity Homeownership ProgramRandolph · Morris | See programTotal household income at least $30,000; maximum income limits range ~$66,471 (3-person) to ~$97,491 (8-person) per current project listing; moderate-income households invited. | — |
| Newark Municipal Employee Housing Assistance ProgramNewark · Essex | See programAll qualified applicants subject to HUD income limits; specific percentage of AMI unconfirmed from available documents | — |
| NJCC Statewide Down Payment Assistance ProgramStatewide · Statewide | 100% of area median incomeUp to 100% of HUD Area Median Income (AMI) by county and household size. Statewide range across all counties and household sizes (2025 HUD): low end ~ $59,500 (1-person, lowest county) up to ~ $188,700 (8-person, highest county). Income limits increase with household size; see the NJCC NJ 100% AMI table. | $625,000 |
| NJHMFA Down Payment Assistance Program (DPA) | 140% of area median incomeIncome limits set by county; must not exceed 140% AMI. FTHB max income (140% AMI, eff. 07.28.25): most counties $158,040-$164,520; Hunterdon, Middlesex, Somerset $184,080. UTA properties qualify for higher limits. | $1.3M |
| NJHMFA First-Time Homebuyer Mortgage Program | 140% of area median incomeCounty- and household-size-based, capped at 140% AMI; UTA properties get higher tiers. Effective 07.28.25. | — |
| Northern Ocean Habitat for Humanity Homeownership ProgramToms River · Ocean | See programIncome limits based on the UHAC 2025 Affordable Housing Regional Income Limits, with minimum and maximum household income by household size | — |
| Ocean County Consortium First-Time Homebuyer ProgramOcean | $97,800Total household income from all sources/members must not exceed HUD limits by size (Effective June 2024): 1 $68,500; 2 $78,250; 3 $88,050; 4 $97,800; 5 $105,650; 6 $113,450; 7 $121,300; 8 $129,100. | $475,000 |
| Passaic County Habitat for Humanity Homeownership ProgramPaterson · Passaic | See programIncome guidelines set per application cycle; both minimum and maximum income required based on household size. All income from all adult household members included. | — |
| PNC Bank Home Lending Grants (PNC Grant / Low-Income Grant / LMI Borrower Grant) | 80% of area median incomeLow-Income Grant: qualifying income ≤50% of AMI for the property location. LMI Borrower Grant / PNC Grant: qualifying income at or below 80% of AMI based on property location, generally in low- or moderate-income census tracts within PNC's assessment area. | — |
| Raritan Township (Hunterdon County) Down Payment and/or Closing Cost Assistance GrantRaritan Township · Hunterdon | See programIncome-qualified for an affordable unit in Raritan Township (low/moderate income per COAH/UHAC); specific limits by household size not published on the CJHRC summary. | — |
| Raritan Valley Habitat for Humanity Homeownership ProgramBedminster · Somerset | See programMust qualify as low-income per UHAC maximum levels for Region 3 (2025). Income includes all household members 18+. 3-person max: $69,050; 4-person: $76,700; 5-person: $82,850; 6-person: $89,000. | — |
| Somerset County American Dream Downpayment Initiative (ADDI)Somerset | 80% of area median incomeHousehold income <=80% AMI adjusted for household size; income from all members over 18 counted. NOTE: published CJHRC ADDI dollar limits date to an older (2015) flyer and should be re-verified with Somerset County CD / CJHRC for the current program year. | — |
| TD Bank HomeReady GrantStatewide | 50% of area median incomeQualifying income <= 50% of applicable AMI of the property location. | — |
| Township of Irvington Homeownership Program (First-Time Homebuyer / HOME)Irvington · Essex | 80% of area median incomeHousehold income at or below 80% of area median income (HUD Section 8 low-income limits), adjusted for household size; revised annually | — |
| Township of Lakewood First Time Homebuyer ProgramLakewood · Ocean | 100% of area median incomeTargeted moderate-income band approximately 100% AMI Monmouth-Ocean HMFA. Approximate 2025: $87,700 (1-person) to $100,855 (4-person upper bound). | $826,218 |
| Trenton Neighborhood Initiative Homebuyer Assistance ProgramTrenton · Mercer | 100% of area median incomeUp to 100% of HUD Area Median Income for Mercer County, adjusted for household size. Approximate range (2025 HUD): 1-person ~ $88,400 up to 8-person ~ $166,600. | — |
| Wells Fargo Dream Plan Home Closing Cost Credit | 80% of area median incomeBorrower income <= 80% of AMI where the property is located. | — |
| Wells Fargo Homebuyer Access GrantStatewide | 120% of area median incomeTotal qualifying income of all borrowers <= 120% of county AMI. | — |
| WSFS Down Payment Grant ProgramBurlington; Camden | 100% of area median incomeTotal household income must be at or below 100% of the Area Median Income (AMI) of the census tract, based on HUD-published 1-to-4 household member AMI. | — |
Questions, answered
What are the income limits for down payment assistance in New Jersey?
66 down payment assistance programs in New Jersey publish an income limit, a purchase price cap, or both. 40 express the limit as a percentage of the area median income for the county where the home is, and 27 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
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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