Mercer County Consortium HOME First-Time Homebuyer Program
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Mercer County
Buying a home in Twin Rivers, NJ
1 county program and 19 statewide.Twin Rivers has no program of its own, 1 across Mercer 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 Twin Rivers
No program of Twin Rivers’s own yet
No program run for Twin Rivers alone is listed. A home in Twin Rivers can use Mercer County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Trenton, about 14 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MercerAnywhere in Mercer County
1 county program1 county program a Twin Rivers homebuyer can use
3 more programs are for homes in Trenton. See them 3 programs in neighboring cities — for homes inside those cities, not Twin Rivers
The Twin Rivers marketThe Twin Rivers housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Twin Rivers
- 4.6% single-familysingle-family
- 59.4% townhousetownhouse
- 5.9% 2–4 units2–4 units
- 30.1% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Twin Rivers’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Twin Rivers’s homes were built
pre-19401970s2020+
83.9%
of Twin Rivers 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.
$139,800
County area median income, 4 people (HUD)HUD area median income, Mercer County, 4-person household (2026)
$100,833
Twin Rivers median household incomeMedian household income in Twin Rivers (Census, 2024)
21 of the 82 programs here set their income limit as a share of Mercer County’s area median income, adjusted for household size. See the published limits for Mercer County
Free help nearbyFree help near Twin Rivers
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
Twin Rivers’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Mercer County Consortium HOME First-Time Homebuyer Program asks 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
Twin Rivers questions
Does Twin Rivers have its own down payment program?
No program run for Twin Rivers alone is listed. A home in Twin Rivers can use the 1 program that cover Mercer County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Twin Rivers?
Twin Rivers’s one local program accepts 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 Mercer County?
Each program sets its own. 21 of the programs here set theirs as a share of HUD’s area median income for Mercer 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 Twin Rivers?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Twin Rivers. Create a free account and take the 90-second match to see the ones near you.
Nearby in Mercer
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.