Ocean County Consortium First-Time Homebuyer Program
Deferred second loan · Forgiven over 6 yrs · Income limits
Down payment assistance · Ocean County
Buying a home in Ship Bottom, NJ
2 county programs and 19 statewide.Ship Bottom has no program of its own, 2 across Ocean 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 Ship Bottom
No program of Ship Bottom’s own yet
No program run for Ship Bottom alone is listed. A home in Ship Bottom can use Ocean County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Lakewood, about 31 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in OceanAnywhere in Ocean County
2 county programs2 county programs a Ship Bottom homebuyer can use
1 more program is for homes in Lakewood. See them 1 program in neighboring cities — for homes inside those cities, not Ship Bottom
- Lakewood — Township of Lakewood First Time Homebuyer Program
The Ship Bottom marketThe Ship Bottom housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ship Bottom
- 84.7% single-familysingle-family
- 1.1% townhousetownhouse
- 10.4% 2–4 units2–4 units
- 3.8% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. 1 of Ship Bottom’s 2 local and county programs accept condos. Northern Ocean Habitat for Humanity Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ship Bottom’s homes were built
pre-19401970s2020+
59.3%
of Ship Bottom 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.
$140,600
County area median income, 4 people (HUD)HUD area median income, Ocean County, 4-person household (2026)
$108,750
Ship Bottom median household incomeMedian household income in Ship Bottom (Census, 2024)
20 of the 83 programs here set their income limit as a share of Ocean County’s area median income, adjusted for household size. See the published limits for Ocean County
Free help nearbyFree help near Ship Bottom
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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
Ship Bottom questions
Does Ship Bottom have its own down payment program?
No program run for Ship Bottom alone is listed. A home in Ship Bottom can use the 2 programs that cover Ocean County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Ship Bottom?
1 of Ship Bottom’s 2 local and county programs accept condos. Northern Ocean Habitat for Humanity 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 Ocean County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Ocean 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 Ship Bottom?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Ocean
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.