Deferred second loan
City of Perth Amboy Down Payment Assistance for First-Time Homebuyers
First-time homebuyers · Income limits · Single-family (one-family) · Two-family
Down payment assistance · Middlesex County
Buying a home in Perth Amboy, NJ
2 Perth Amboy programs, 2 county programs and 19 statewide.Perth Amboy has 2 programs 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 Perth Amboy addresses
Perth Amboy’s own programs
Forgivable loan
First Time Home Buyers (FTHB)
First-time homebuyers · Income limits · Single-family detached · Townhome · Condominium
Anywhere in MiddlesexAnywhere in Middlesex County
2 county programs2 county programs a Perth Amboy homebuyer can also use
1 more program is for homes in New Brunswick. See them 1 program in neighboring cities — for homes inside those cities, not Perth Amboy
- New Brunswick — Esperanza Down Payment Assistance Program
The Perth Amboy marketThe Perth Amboy housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Perth Amboy
- 29.2% single-familysingle-family
- 7.2% townhousetownhouse
- 35.3% 2–4 units2–4 units
- 27.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
Condos count. 3 of Perth Amboy’s 4 local and county programs accept condos. City of Perth Amboy Down Payment Assistance for First-Time Homebuyers lists single-family (one-family) and two-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Perth Amboy’s homes were built
pre-19401970s2020+
70.4%
of Perth Amboy 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)
$61,977
Perth Amboy median household incomeMedian household income in Perth Amboy (Census, 2024)
23 of the 85 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 Perth Amboy
9 HUD-approved counseling agencies within 15 miles9 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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
Perth Amboy questions
Does Perth Amboy have its own down payment program?
Yes, 2: City of Perth Amboy Down Payment Assistance for First-Time Homebuyers and First Time Home Buyers (FTHB). Each is for homes inside Perth Amboy.
Can I use assistance on a condo in Perth Amboy?
3 of Perth Amboy’s 4 local and county programs accept condos. City of Perth Amboy Down Payment Assistance for First-Time Homebuyers lists single-family (one-family) and two-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 Middlesex County?
Each program sets its own. 23 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 Perth Amboy?
HUD-approved housing counseling agencies teach homebuyer classes, and 9 agencies are within 15 miles of Perth Amboy. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
08861 · 08862
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.