Middlesex County American Dream Downpayment Program
Deferred second loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Middlesex County
Buying a home in South River, NJ
2 county programs and 19 statewide.South River has no program of its own, 2 across Middlesex 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 South River
No program of South River’s own yet
No program run for South River alone is listed. A home in South River can use Middlesex County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is New Brunswick, about 4 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MiddlesexAnywhere in Middlesex County
2 county programs2 county programs a South River homebuyer can use
3 more programs are for homes in Perth Amboy and New Brunswick. See them 3 programs in neighboring cities — for homes inside those cities, not South River
- Perth Amboy — City of Perth Amboy Down Payment Assistance for First-Time Homebuyers
- New Brunswick — Esperanza Down Payment Assistance Program
- Perth Amboy — First Time Home Buyers (FTHB)
The South River marketThe South River housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in South River
- 74.7% single-familysingle-family
- 1% townhousetownhouse
- 9.2% 2–4 units2–4 units
- 15.1% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. All 2 of South River’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When South River’s homes were built
pre-19401970s2020+
75.1%
of South 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.
$154,800
County area median income, 4 people (HUD)HUD area median income, Middlesex County, 4-person household (2026)
$96,147
South River median household incomeMedian household income in South River (Census, 2024)
21 of the 83 programs here set their income limit as a share of Middlesex County’s area median income, adjusted for household size. See the published limits for Middlesex County
Free help nearbyFree help near South 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
South River questions
Does South River have its own down payment program?
No program run for South River alone is listed. A home in South River can use the 2 programs that cover Middlesex County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in South River?
All 2 of South River’s local and county programs accept condos. 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 Middlesex County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Middlesex 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 South River?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of South River. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
08877 · 08882
Nearby in Middlesex
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.