Deferred second loan
City of Plainfield Down Payment Assistance Fund
First-time homebuyers
Down payment assistance · Union County
Buying a home in Plainfield, NJ
2 Plainfield programs and 19 statewide.Plainfield has 2 programs of its own, 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 Plainfield addresses
Plainfield’s own programs
Down-payment assistance
Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program
New construction · Income limits · single_family
The Plainfield marketThe Plainfield housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Plainfield
- 42.3% single-familysingle-family
- 4.6% townhousetownhouse
- 30.1% 2–4 units2–4 units
- 22.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Plainfield’s homes were built
pre-19401970s2020+
84.7%
of 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.
$138,400
County area median income, 4 people (HUD)HUD area median income, Union County, 4-person household (2026)
$85,908
Plainfield median household incomeMedian household income in Plainfield (Census, 2024)
20 of the 83 programs here set their income limit as a share of Union County’s area median income, adjusted for household size. See the published limits for Union County
Free help nearbyFree help near Plainfield
15 HUD-approved counseling agencies within 15 miles15 HUD-approved housing counseling agencies within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
Plainfield questions
Does Plainfield have its own down payment program?
Yes, 2: City of Plainfield Down Payment Assistance Fund and Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program. Each is for homes inside Plainfield.
Can I use assistance on a condo in Plainfield?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Union County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Union 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 Plainfield?
HUD-approved housing counseling agencies teach homebuyer classes, and 15 agencies are within 15 miles of Plainfield. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
07060 · 07061 · 07062 · 07063
Nearby in Union
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.