Trenton · Mercer County
City of Trenton First Time Homebuyer Program
Forgivable loan · 80% of area median income
Programs by loan typePrograms by loan type · New Jersey
Down payment assistance you can pair with a conventional loan in New Jersey
36 programs name conventional loans: 13 city, 13 county or regional, 10 statewide.36 programs in New Jersey name conventional loans among the first mortgages they can be paired with: 13 run by a city, 13 by a county or regional agency and 10 open statewide.
Two approvals, made separately. The lender underwrites the conventional loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the conventional loan; the assistance program reviews its own application. A program naming conventional means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
Find my programs →Free · No credit pull · 90 seconds
The 36 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in New Jersey. Listed A–Z within each group, not ranked.
In a New Jersey city 13 programs
For homes inside that city’s limits onlyEast Orange · Essex County
East Orange HOMEBuyers Purchase Program
Forgivable loan · 80% of area median income
Trenton · Mercer County
East Trenton Collaborative (ETC) Down Payment Assistance Program
Forgivable loan · 100% of area median income
New Brunswick · Middlesex County
Esperanza Down Payment Assistance Program
Forgivable loan · 100% of area median income
Camden · Camden County
First Time Home Buyer Program
Forgivable loan · 80% of area median income
Perth Amboy · Middlesex County
First Time Home Buyers (FTHB)
Forgivable loan · 120% of area median income
Paterson · Passaic County
First-Time Homebuyer's Program
Forgivable loan · 80% of area median income
Jersey City · Hudson County
Golden Neighborhood Homeownership Program
Forgivable loan · 80% of area median income
In a county or region 13 programs
For homes anywhere in the county or the counties namedMiddlesex County
American Dream Downpayment Program
Forgivable loan · 60% of area median income
Bergen County
American Dream First Time Homebuyer Program (Bergen County)
Deferred second loan · 80% of area median income
Atlantic County
Atlantic County HUD HOME Down Payment Assistance Program
Forgivable loan · 80% of area median income
Multiple County
AtlantiCare Down Payment Assistance Program
Forgivable loan · 120% of area median income
Multi-county
Bank of America America's Home Grant
Assistance grant
Multi-county
Bank of America Down Payment Grant
Assistance grant
Burlington County
Burlington County First Time Homebuyer Program
Forgivable loan · 80% of area median income
Multi-county
Chase Homebuyer Grant
Assistance grant
Anywhere in New Jersey 10 programs
Can sit alongside a city or county program where both allow it- First Generation Down Payment Assistance ProgramForgivable loan · First-time homebuyers
- Homebuyer Dream Program (HDP)Up to $30,000 · Forgivable loan · First-time homebuyers
- Homebuyer Dream Program Plus (HDP Plus)Up to $30,000 · Assistance grant · First-time homebuyers
- Homebuyer Dream Program Wealth BuilderUp to $30,000 · Assistance grant · First-time homebuyers
- Housing Partnership First-Time Homebuyer Down Payment Assistance ProgramUp to $10,000 · Deferred second loan · First-time homebuyers
- NJCC Statewide Down Payment Assistance ProgramForgivable loan · First-time homebuyers
- NJHMFA Down Payment Assistance Program (DPA)Up to $15,000 · Forgivable loan · First-time homebuyers
- NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage ProgramFirst mortgage
- TD Bank HomeReady GrantUp to $2,500 · Assistance grant · First-time homebuyers
- Wells Fargo Homebuyer Access GrantUp to $10,000 · Assistance grant
Nationwide 54 programs · not in the 36
Nationwide: 54 more, not in the 3654 nationwide programs that also name conventional loans, each with its own area and eligibility rules
- America First Credit Union 100% No PMI Adjustable-Rate Mortgage
- American Pacific Mortgage 1% Home Program
- American Pacific Mortgage Pathway DPA
- BNY Down Payment Assistance
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Citibank, N.A. HomeRun Mortgage
- Confederated Tribes of Grand Ronde Down Payment Assistance
- CrossCountry Mortgage Community Promise
- CrossCountry Mortgage Smart Start Down Payment Assistance Program
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- First Bank Thrive Mortgage Loan
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 1% Down Program
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage Doctor and Medical Professionals Program
- Guild Mortgage MyPath2Own Program
- Guild Mortgage Zero Down Mortgage Program
- HSBC Bank USA CommunityWorks
- HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- NACA Homeownership through Public Housing Assistance (HOT-PHA)
- NACA's New Construction Homes
- NASA FCU $0 Down, No PMI Mortgage Purchase
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- Navy Federal Credit Union Homebuyers Choice Loan
- Navy Federal Credit Union Military Choice Loan
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Northpointe Bank ONE+ Loan Program
- Pathway Homes Essential Workers Program
- All nationwide programs →
What to know
What the 36 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 28 of 36
ask for a homebuyer education class.
- 31 of 36
are limited to first-time homebuyers, as each program defines it.
- 25 · 8 · 2
are forgivable loans, assistance grants and deferred second loans. The other 1 is 1 first mortgage.
Free help in New JerseyFree help in New Jersey
43 HUD-approved counseling agencies in New Jersey43 HUD-approved housing counseling agencies in New Jersey
28 of 36 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a conventional loan fit together.28 of 36 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Questions, answered
Can down payment assistance be used with a conventional loan in New Jersey?
36 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 open 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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (July–August 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.