Down payment assistance for conventional loans in New Jersey
36 down payment assistance programs in New Jersey name conventional loans among the loan types they can be paired with.
The loan type is one eligibility rule among several — income limits, purchase price caps and occupancy requirements still apply to each program below.
The programs
- Gloucester County Homebuyer Down Payment Assistance Program
- City of Trenton First Time Homebuyer ProgramTrenton
- Home Ownership Assistance Program (HOAP)Vineland
- Trenton Neighborhood Initiative Homebuyer Assistance ProgramTrenton
- American Dream First Time Homebuyer Program (Bergen County)Bergen County Division of Community Development
- Atlantic County HUD HOME Down Payment Assistance ProgramAtlantic County Improvement Authority (ACIA), Office of Community Development
- Homebuyer Dream Program Plus (HDP Plus)Federal Home Loan Bank of New York (via participating member lenders)
- Housing Partnership First-Time Homebuyer Down Payment Assistance ProgramHousing Partnership (NeighborWorks HomeOwnership Center)
- Mercer County Consortium HOME First-Time Homebuyer Program
- Esperanza Down Payment Assistance ProgramNew Brunswick
- Wells Fargo Dream Plan Home Closing Cost CreditWells Fargo Bank, N.A.
- Bank of America Down Payment GrantBank of America, N.A.
- Homebuyer Dream Program Wealth BuilderFederal Home Loan Bank of New York (via participating member lenders)
- NJHMFA Down Payment Assistance Program (DPA)New Jersey Housing and Mortgage Finance Agency (NJHMFA)
- AtlantiCare Down Payment Assistance ProgramAtlantic City
- Chase Homebuyer GrantJPMorgan Chase Bank, N.A.
- TD Bank HomeReady GrantTD Bank, N.A.
- Burlington County First Time Homebuyer Program
- First Time Home Buyers (FTHB)Perth Amboy
- Live Newark Home Closing Cost ProgramNewark
- Golden Neighborhood Homeownership ProgramJersey City
- Bank of America America's Home GrantBank of America, N.A.
- First Time Homebuyer Program
- First-Time Homebuyer's ProgramPaterson
- Newark Municipal Employee Housing Assistance ProgramCity of Newark Department of Economic & Housing Development, Division of Housing and Finance · Newark
- East Trenton Collaborative (ETC) Down Payment Assistance ProgramTrenton
- First Time Home Buyer ProgramCamden
- Wells Fargo Homebuyer Access GrantWells Fargo Bank, N.A.
- American Dream Downpayment Program
- East Orange HOMEBuyers Purchase ProgramEast Orange
- Homebuyer Dream Program (HDP)Federal Home Loan Bank of New York (via participating member lenders)
- First Generation Down Payment Assistance ProgramStatewide
- NJCC Statewide Down Payment Assistance ProgramStatewide
- Monmouth County First-Time Home Buyers Program
- NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage ProgramNew Jersey Housing and Mortgage Finance Agency (NJHMFA)
- Township of Lakewood First Time Homebuyer ProgramLakewood
Questions, answered
Can down payment assistance be used with conventional loans in New Jersey?
36 down payment assistance programs in New Jersey name conventional loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming conventional loans mean a program is available to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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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