Down payment assistance · Passaic County
Buying a home in Totowa, NJ
19 statewide.Totowa has no program of its own, and 19 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Totowa
No program of Totowa’s own yet
No program run for Totowa or for Passaic County alone is listed. A home in Totowa can use the New Jersey statewide and federal programs below.
The closest city that runs its own program is Paterson, about 2 miles away. City programs usually require the home to be inside that city’s limits.
Neighboring cities
3 programs for homes in nearby cities
3 more programs are for homes in Passaic and Paterson. See them 3 programs in neighboring cities — for homes inside those cities, not Totowa
The Totowa marketThe Totowa housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Totowa
- 70.7% single-familysingle-family
- 12% townhousetownhouse
- 11.3% 2–4 units2–4 units
- 6% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Totowa’s homes were built
73.6%
of Totowa 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.
20 of the 81 programs here set their income limit as a share of Passaic County’s area median income, adjusted for household size. See the published limits for Passaic County
Free help nearbyFree help near Totowa
18 HUD-approved counseling agencies within 15 miles18 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.
Free account → 90-second match → your counselors · Sign in
Across New Jersey and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Totowa questions
Does Totowa have its own down payment program?
No program run for Totowa alone is listed. A home in Totowa can use the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Totowa?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Passaic County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Passaic 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 Totowa?
HUD-approved housing counseling agencies teach homebuyer classes, and 18 agencies are within 15 miles of Totowa. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
07511 · 07512
Nearby in Passaic
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.