Monmouth County First-Time Home Buyers Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Monmouth County
Buying a home in Neptune City, NJ
2 county programs and 19 statewide.Neptune City has no program of its own, 2 across Monmouth 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 Neptune City
No program of Neptune City’s own yet
No program run for Neptune City alone is listed. A home in Neptune City can use Monmouth County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Lakewood, about 12 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MonmouthAnywhere in Monmouth County
2 county programs2 county programs a Neptune City homebuyer can use
The Neptune City marketThe Neptune City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Neptune City
- 65.9% single-familysingle-family
- 5.9% townhousetownhouse
- 7.7% 2–4 units2–4 units
- 16.3% 5+ unitscondo & apartment buildings (5+ units)
- 4.2% mobile & othermobile home & other
Condos count. 1 of Neptune City’s 2 local and county programs accept condos. Monmouth County Habitat for Humanity Homeownership Program lists single family and 2-4 unit.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Neptune City’s homes were built
pre-19401970s2020+
79.5%
of Neptune 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.
$140,600
County area median income, 4 people (HUD)HUD area median income, Monmouth County, 4-person household (2026)
$88,864
Neptune City median household incomeMedian household income in Neptune City (Census, 2024)
22 of the 83 programs here set their income limit as a share of Monmouth County’s area median income, adjusted for household size. See the published limits for Monmouth County
Free help nearbyFree help near Neptune City
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
Neptune City questions
Does Neptune City have its own down payment program?
No program run for Neptune City alone is listed. A home in Neptune City can use the 2 programs that cover Monmouth County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Neptune City?
1 of Neptune City’s 2 local and county programs accept condos. Monmouth County Habitat for Humanity Homeownership Program lists single family and 2-4 unit. 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 Monmouth County?
Each program sets its own. 22 of the programs here set theirs as a share of HUD’s area median income for Monmouth 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 Neptune City?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Neptune City. Create a free account and take the 90-second match to see the ones near you.
Nearby in Monmouth
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.