Atlantic County HUD HOME Down Payment Assistance Program
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Atlantic County
Buying a home in Margate City, NJ
1 county program and 19 statewide.Margate City has no program of its own, 1 across Atlantic 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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What’s local to Margate City
No program of Margate City’s own yet
No program run for Margate City alone is listed. A home in Margate City can use Atlantic County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Cape May Court House, about 24 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in AtlanticAnywhere in Atlantic County
1 county program1 county program a Margate City homebuyer can use
1 more program is for homes in Atlantic City. See them 1 program in neighboring cities — for homes inside those cities, not Margate City
- Atlantic City — Atlantic City Homebuyers Assistance Program
The Margate City marketThe Margate City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Margate City
- 60.8% single-familysingle-family
- 5.6% townhousetownhouse
- 9.2% 2–4 units2–4 units
- 24.4% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Margate City’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Margate City’s homes were built
pre-19401970s2020+
64.2%
of Margate 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.
$97,500
County area median income, 4 people (HUD)HUD area median income, Atlantic County, 4-person household (2026)
$121,800
Margate City median household incomeMedian household income in Margate City (Census, 2024)
21 of the 82 programs here set their income limit as a share of Atlantic County’s area median income, adjusted for household size. See the published limits for Atlantic County
Free help nearbyFree help near Margate City
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Margate City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Atlantic County HUD HOME Down Payment Assistance Program asks 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
Margate City questions
Does Margate City have its own down payment program?
No program run for Margate City alone is listed. A home in Margate City can use the 1 program that cover Atlantic County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Margate City?
Margate City’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Atlantic County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Atlantic 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 Margate City?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Margate City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
08402
Nearby in Atlantic
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.