Forgivable loan
Esperanza Down Payment Assistance Program
First-time homebuyers · Income limits · 1-4 family residential property occupied as primary residence
Down payment assistance · Middlesex County
Buying a home in New Brunswick, NJ
1 New Brunswick program, 2 county programs and 19 statewide.New Brunswick has 1 program of its own, 2 more across Middlesex 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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Only for New Brunswick addresses
New Brunswick’s own program
Anywhere in MiddlesexAnywhere in Middlesex County
2 county programs2 county programs a New Brunswick homebuyer can also use
2 more programs are for homes in Perth Amboy. See them 2 programs in neighboring cities — for homes inside those cities, not New Brunswick
- Perth Amboy — City of Perth Amboy Down Payment Assistance for First-Time Homebuyers
- Perth Amboy — First Time Home Buyers (FTHB)
The New Brunswick marketThe New Brunswick housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in New Brunswick
- 21.4% single-familysingle-family
- 7% townhousetownhouse
- 27.5% 2–4 units2–4 units
- 43.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
Condos count. 2 of New Brunswick’s 3 local and county programs accept condos. Esperanza Down Payment Assistance Program lists 1-4 family residential property occupied as primary residence.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When New Brunswick’s homes were built
pre-19401970s2020+
62.2%
of New Brunswick 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.
$154,800
County area median income, 4 people (HUD)HUD area median income, Middlesex County, 4-person household (2026)
$65,810
New Brunswick median household incomeMedian household income in New Brunswick (Census, 2024)
22 of the 84 programs here set their income limit as a share of Middlesex County’s area median income, adjusted for household size. See the published limits for Middlesex County
Free help nearbyFree help near New Brunswick
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
New Brunswick questions
Does New Brunswick have its own down payment program?
Yes, one: Esperanza Down Payment Assistance Program, a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside New Brunswick.
Can I use assistance on a condo in New Brunswick?
2 of New Brunswick’s 3 local and county programs accept condos. Esperanza Down Payment Assistance Program lists 1-4 family residential property occupied as primary residence. 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 Middlesex County?
Each program sets its own. 22 of the programs here set theirs as a share of HUD’s area median income for Middlesex 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 New Brunswick?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of New Brunswick. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
08901 · 08903 · 08905 · 08906 · 08922 · 08933 · 08988 · 08989
Nearby in Middlesex
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.