American Dream First Time Homebuyer Program (Bergen County)
Deferred second loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Bergen County
Buying a home in Saddle River, NJ
2 county programs and 19 statewide.Saddle River has no program of its own, 2 across Bergen 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 Saddle River
No program of Saddle River’s own yet
No program run for Saddle River alone is listed. A home in Saddle River can use Bergen County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Paterson, about 9 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BergenAnywhere in Bergen County
2 county programs2 county programs a Saddle River homebuyer can use
The Saddle River marketThe Saddle River housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Saddle River
- 86.5% single-familysingle-family
- 4.6% townhousetownhouse
- 0% 2–4 units2–4 units
- 8.9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. 1 of Saddle River’s 2 local and county programs accept condos. Habitat for Humanity of Bergen County Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Saddle River’s homes were built
pre-19401970s2020+
38.1%
of Saddle River 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.
$139,100
County area median income, 4 people (HUD)HUD area median income, Bergen County, 4-person household (2026)
$212,143
Saddle River median household incomeMedian household income in Saddle River (Census, 2024)
21 of the 83 programs here set their income limit as a share of Bergen County’s area median income, adjusted for household size. See the published limits for Bergen County
Free help nearbyFree help near Saddle River
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Saddle River questions
Does Saddle River have its own down payment program?
No program run for Saddle River alone is listed. A home in Saddle River can use the 2 programs that cover Bergen County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Saddle River?
1 of Saddle River’s 2 local and county programs accept condos. Habitat for Humanity of Bergen 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 Bergen County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Bergen 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 Saddle River?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Saddle River. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
07458
Nearby in Bergen
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.