Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program
Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program is down payment assistance for homebuyers in Plainfield, New Jersey, administered by Habitat for Humanity of Greater Plainfield & Middlesex County.
The program asks for
- The home is occupied as a primary residence
- Residency: Greater Plainfield area and Middlesex County
- At least 200 hours of sweat equity per partner family.
- A home in Union County
It doesn’t cover
- Homes outside Union County
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Where it applies
Union County’s homesUnion County’s homes, and the ones this program accepts
- 49.7% single-familysingle-family
- 4.8% townhousetownhouse
- 24.8% 2–4 units2–4 units
- 20.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$529,200
Union County median home value
78.3%
built before 1980
U.S. Census Bureau, ACS 2024 5-year. More about buying in Union County
How to apply
How to applyTwo steps, in this order
Contact Habitat for Humanity of Greater Plainfield & Middlesex County to reserve funds
Funds are reserved with the provider and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
What is Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program?
Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program is down payment assistance for homebuyers in Plainfield, New Jersey, administered by Habitat for Humanity of Greater Plainfield & Middlesex County. Habitat for Humanity of Greater Plainfield & Middlesex County helps low-income families in the Greater Plainfield area and Middlesex County build and buy simple, decent homes. Partner families devote sweat-equity hours and secure a 0% interest mortgage provided by Habitat. The Housing Interest Form is always open. Affordable Habitat-built home with 0% interest Habitat mortgage. Funding comes from Habitat for Humanity (donations, volunteers).
Do you have to pay it back?
Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Greater Plainfield & Middlesex County. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.
Who qualifies?
Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program is open to homebuyers who will live in the home as their primary residence. Residency requirement: Greater Plainfield area and Middlesex County. At least 200 hours of sweat equity per partner family.
What are the income limits?
Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program sets its income limit as follows: Income within Habitat guidelines (general Habitat US guidance: not exceed 60% AMI; confirm affiliate cycle-specific limits). 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.
What kind of home can it be used for?
Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program can be used for single_family. New construction is eligible.
Where does it apply?
Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program serves homebuyers purchasing in Plainfield, New Jersey. Targeted neighborhoods: Greater Plainfield area and Middlesex County.
How do you apply?
Applications for Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program go through Habitat for Humanity of Greater Plainfield & Middlesex County, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for Union County homebuyersOther programs open to Union County homebuyers
- Homebuyer Dream Program (HDP)Up to $30,000
- Homebuyer Dream Program Plus (HDP Plus)Up to $30,000
- Homebuyer Dream Program Wealth BuilderUp to $30,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 77 programs for Union CountyProgram terms are set by Habitat for Humanity of Greater Plainfield & Middlesex County and can change; confirm on the official site before you apply.