Somerset County American Dream Downpayment Initiative (ADDI)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Somerset County
Buying a home in North Plainfield, NJ
1 county program and 19 statewide.North Plainfield has no program of its own, 1 across Somerset 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 North Plainfield
No program of North Plainfield’s own yet
No program run for North Plainfield alone is listed. A home in North Plainfield can use Somerset County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Plainfield, about 1 mile away. City programs usually require the home to be inside that city’s limits.
Anywhere in SomersetAnywhere in Somerset County
1 county program1 county program a North Plainfield homebuyer can use
4 more programs are for homes in Bedminster Township, Bernards Township, Franklin Township and Bedminster. See them 4 programs in neighboring cities — for homes inside those cities, not North Plainfield
- Bedminster Township — Bedminster Township Down Payment Assistance Program
- Bernards Township — Bernards Township Down Payment and Closing Cost Assistance Grant
- Franklin Township — Franklin Township Down Payment and/or Closing Cost Affordability Assistance Grant
- Bedminster — Raritan Valley Habitat for Humanity Homeownership Program
The North Plainfield marketThe North Plainfield housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in North Plainfield
- 48.9% single-familysingle-family
- 2.7% townhousetownhouse
- 24.6% 2–4 units2–4 units
- 23.7% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. North Plainfield’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When North Plainfield’s homes were built
pre-19401970s2020+
85.7%
of North Plainfield 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, Somerset County, 4-person household (2026)
$87,349
North Plainfield median household incomeMedian household income in North Plainfield (Census, 2024)
21 of the 82 programs here set their income limit as a share of Somerset County’s area median income, adjusted for household size. See the published limits for Somerset County
Free help nearbyFree help near North Plainfield
11 HUD-approved counseling agencies within 15 miles11 HUD-approved housing counseling agencies within 15 miles
North Plainfield’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Somerset County American Dream Downpayment Initiative (ADDI) 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
North Plainfield questions
Does North Plainfield have its own down payment program?
No program run for North Plainfield alone is listed. A home in North Plainfield can use the 1 program that cover Somerset County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in North Plainfield?
North Plainfield’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 Somerset County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Somerset 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 North Plainfield?
HUD-approved housing counseling agencies teach homebuyer classes, and 11 agencies are within 15 miles of North Plainfield. Create a free account and take the 90-second match to see the ones near you.
Nearby in Somerset
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.