Ocean County Consortium First-Time Homebuyer Program
Deferred second loan · Forgiven over 6 yrs · Income limits
Down payment assistance · Ocean County
Buying a home in Ocean Gate, NJ
2 county programs and 19 statewide.Ocean Gate has no program of its own, 2 across Ocean 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 Ocean Gate
No program of Ocean Gate’s own yet
No program run for Ocean Gate alone is listed. A home in Ocean Gate can use Ocean County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Lakewood, about 13 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in OceanAnywhere in Ocean County
2 county programs2 county programs a Ocean Gate homebuyer can use
1 more program is for homes in Lakewood. See them 1 program in neighboring cities — for homes inside those cities, not Ocean Gate
- Lakewood — Township of Lakewood First Time Homebuyer Program
The Ocean Gate marketThe Ocean Gate housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ocean Gate
- 97% single-familysingle-family
- 0% townhousetownhouse
- 2.4% 2–4 units2–4 units
- 0.7% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. 1 of Ocean Gate’s 2 local and county programs accept condos. Northern Ocean Habitat for Humanity Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ocean Gate’s homes were built
pre-19401970s2020+
77.5%
of Ocean Gate 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, Ocean County, 4-person household (2026)
$69,397
Ocean Gate median household incomeMedian household income in Ocean Gate (Census, 2024)
20 of the 83 programs here set their income limit as a share of Ocean County’s area median income, adjusted for household size. See the published limits for Ocean County
Free help nearbyFree help near Ocean Gate
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies 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
Ocean Gate questions
Does Ocean Gate have its own down payment program?
No program run for Ocean Gate alone is listed. A home in Ocean Gate can use the 2 programs that cover Ocean County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Ocean Gate?
1 of Ocean Gate’s 2 local and county programs accept condos. Northern Ocean Habitat for Humanity Homeownership Program lists single_family. 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 Ocean County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Ocean 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 Ocean Gate?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Ocean Gate. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
08740
Nearby in Ocean
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.