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 USDA loan in New Jersey
30 programs name USDA loans: 13 city, 10 county or regional, 7 statewide.30 programs in New Jersey name USDA loans among the first mortgages they can be paired with: 13 run by a city, 10 by a county or regional agency and 7 open statewide.
Two approvals, made separately. The lender underwrites the USDA 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 USDA loan; the assistance program reviews its own application. A program naming USDA 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.
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The 30 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 10 programs
For homes anywhere in the county or the counties namedMiddlesex County
American Dream Downpayment Program
Forgivable loan · 60% 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
Burlington County
Burlington County First Time Homebuyer Program
Forgivable loan · 80% of area median income
Cumberland County
Cumberland County NJ Habitat for Humanity Homeownership Program
Down-payment assistance
Camden County
First Time Homebuyer Program
Forgivable loan · 80% of area median income
Gloucester County
Gloucester County Homebuyer Down Payment Assistance Program
Forgivable loan · 80% of area median income
Salem County
Habitat for Humanity of Salem County Homeownership Program
Down-payment assistance
Anywhere in New Jersey 7 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
- 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 First-Time Homebuyer Mortgage ProgramFirst mortgage · First-time homebuyers
Nationwide 25 programs · not in the 30
Nationwide: 25 more, not in the 3025 nationwide programs that also name USDA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde 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
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- USDA Rural Development Single Family Housing Guaranteed Loan Program
- All nationwide programs →
What to know
What the 30 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.
- 27 of 30
ask for a homebuyer education class.
- 28 of 30
are limited to first-time homebuyers, as each program defines it.
- 25 · 2 · 2
are forgivable loans, assistance grants and other assistance. 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
27 of 30 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a USDA loan fit together.27 of 30 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.
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Questions, answered
Can down payment assistance be used with a USDA loan in New Jersey?
30 programs in New Jersey name USDA 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 USDA 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.