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 Springfield, NJ
1 county program and 19 statewide.Springfield 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 Springfield
No program of Springfield’s own yet
No program run for Springfield alone is listed. A home in Springfield 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 5 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 Springfield homebuyer can use
1 more program is for homes in Plainfield. See them 1 program in neighboring cities — for homes inside those cities, not Springfield
- Plainfield — City of Plainfield Down Payment Assistance Fund
The Springfield marketThe Springfield housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Springfield
- 76.6% single-familysingle-family
- 0% townhousetownhouse
- 7.2% 2–4 units2–4 units
- 16.1% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Springfield’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 Springfield’s homes were built
pre-19401970s2020+
88.7%
of Springfield 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)
$250,001
Springfield median household incomeMedian household income in Springfield (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 Springfield
17 HUD-approved counseling agencies within 15 miles17 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
Springfield questions
Does Springfield have its own down payment program?
No program run for Springfield alone is listed. A home in Springfield 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 Springfield?
Springfield’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 Springfield?
HUD-approved housing counseling agencies teach homebuyer classes, and 17 agencies are within 15 miles of Springfield. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
07081
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.