Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Union County
Buying a home in Roselle, NJ
1 county program and 19 statewide.Roselle has no program of its own, 1 across Union 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 Roselle
No program of Roselle’s own yet
No program run for Roselle alone is listed. A home in Roselle can use Union County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Irvington, about 6 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in UnionAnywhere in Union County
1 county program1 county program a Roselle homebuyer can use
1 more program is for homes in Plainfield. See them 1 program in neighboring cities — for homes inside those cities, not Roselle
- Plainfield — City of Plainfield Down Payment Assistance Fund
The Roselle marketThe Roselle housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Roselle
- 51.9% single-familysingle-family
- 2.9% townhousetownhouse
- 23.8% 2–4 units2–4 units
- 21.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
About condos. Roselle’s one local program does not list condos as eligible. Habitat for Humanity of Greater Plainfield & Middlesex County Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Roselle’s homes were built
pre-19401970s2020+
79.3%
of Roselle 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)
$92,762
Roselle median household incomeMedian household income in Roselle (Census, 2024)
20 of the 82 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 Roselle
23 HUD-approved counseling agencies within 15 miles23 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
Roselle questions
Does Roselle have its own down payment program?
No program run for Roselle alone is listed. A home in Roselle can use the 1 program that cover Union County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Roselle?
Roselle’s one local program does not list condos as eligible. Habitat for Humanity of Greater Plainfield & Middlesex County 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 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 Roselle?
HUD-approved housing counseling agencies teach homebuyer classes, and 23 agencies are within 15 miles of Roselle. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
07203
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.