Address Yourself Down Payment Assistance (Hudson County)

What is Address Yourself Down Payment Assistance (Hudson County)?

Address Yourself Down Payment Assistance (Hudson County) is a grant for homebuyers in Hudson County, New Jersey, administered by Hudson County Economic Development Corporation (HCEDC), in partnership with New Jersey Community Capital (Address Yourself) and Navicore Solutions.

• HCEDC partners with NJCC's Address Yourself initiative to offer grants of $15,000 for down payment and/or closing cost assistance to households purchasing a home in Hudson County. The program prioritizes veterans, with a portion of grants set aside for low-income non-veteran Hudson County residents. Free HUD-approved housing counseling is provided through Navicore Solutions.
• $15,000 grant toward down payment and/or closing costs; free nonprofit HUD-approved housing counseling.
• Funding comes from HUD/HOME and CDBG via Hudson County EDC; NJCC (CDFI) partnership.

How much assistance does it provide?

Address Yourself Down Payment Assistance (Hudson County) offers up to $15,000 in assistance.

• Amounts are the program's published maximums, not an offer — Hudson County Economic Development Corporation (HCEDC), in partnership with New Jersey Community Capital (Address Yourself) and Navicore Solutions determines any individual award.

Do you have to pay it back?

Address Yourself Down Payment Assistance (Hudson County) is structured as a grant, so it is not repaid.

• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Address Yourself Down Payment Assistance (Hudson County) is open to buyers who will live in the home as their primary residence.

What are the income limits?

Address Yourself Down Payment Assistance (Hudson County) sets its income limit as follows: Combined incomes must be lower than $118,350.00 per year (figure shown for a four-person family on the 2020 flyer; see table for other family sizes).

• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Is there eligibility for specific groups?

Address Yourself Down Payment Assistance (Hudson County) names veterans among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Address Yourself Down Payment Assistance (Hudson County) serves buyers purchasing in Hudson County, New Jersey.

• Targeted neighborhoods: Hudson County.

How do you apply?

Applications for Address Yourself Down Payment Assistance (Hudson County) go through Hudson County Economic Development Corporation (HCEDC), in partnership with New Jersey Community Capital (Address Yourself) and Navicore Solutions, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Navicore Solutions (HUD-approved nonprofit counseling agency).

2. 2

   Contact Hudson County Economic Development Corporation (HCEDC), in partnership with New Jersey Community Capital (Address Yourself) and Navicore Solutions to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.