American Dream First Time Homebuyer Program (Bergen County)
Bergen County Division of Community Development
Deferred second loan · Forgiven over 10 yrs · Income limits
First-time
Verified Aug 2026See details →
Down payment assistance
Down payment assistance in Upper Saddle River, NJ
83 programs a Upper Saddle River buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.
Free forever · No credit pull · 90 seconds
- Programs available
- 83
- Open to first-time buyers
- 31
- Forgivable
- 70
- Largest award
- $126,526
Programs available
Open to first-time buyers
Forgivable
Largest award
83 programs
In Bergen County
2 programsUp to $75,000
Habitat for Humanity of Bergen County Homeownership Program
Habitat for Humanity of Bergen County
Down-payment assistance · New construction
Targeted area
Verified Aug 2026See details →
Across New Jersey
19 programsHomebuyer Dream Program (HDP)
Federal Home Loan Bank of New York (via participating member lenders)
Forgivable loan · Forgiven over 5 yrs · Income limits
First-time
Verified Aug 2026See details →
Homebuyer Dream Program Plus (HDP Plus)
Federal Home Loan Bank of New York (via participating member lenders)
Assistance grant · Income limits
First-timeTargeted area
Verified Aug 2026See details →
Homebuyer Dream Program Wealth Builder
Federal Home Loan Bank of New York (via participating member lenders)
Assistance grant · Income limits
First-timeTargeted area
Verified Aug 2026See details →
NJHMFA Down Payment Assistance Program (DPA)
New Jersey Housing and Mortgage Finance Agency (NJHMFA)
Forgivable loan · Forgiven over 5 yrs · Income limits
First-timeTargeted areaVeterans
Verified Jul 2026See details →
Bank of America Down Payment Grant
Bank of America, N.A.
Assistance grant · Income limits
First-timeTargeted area
Verified Aug 2026See details →
Housing Partnership First-Time Homebuyer Down Payment Assistance Program
Housing Partnership (NeighborWorks HomeOwnership Center)
Deferred second loan · Income limits
First-time
Verified Aug 2026See details →
Wells Fargo Homebuyer Access Grant
Wells Fargo Bank, N.A.
Assistance grant · Income limits
Targeted area
Verified Aug 2026See details →
Bank of America America's Home Grant
Bank of America, N.A.
Assistance grant · Income limits
Targeted area
Verified Aug 2026See details →
Chase Homebuyer Grant
JPMorgan Chase Bank, N.A.
Assistance grant · Income limits
Targeted area
Verified Aug 2026See details →
Columbia Bank Access Homeownership Grant
Columbia Bank (New Jersey)
Assistance grant · Forgiven over 2 yrs · Income limits
First-timeTargeted area
Verified Jul 2026See details →
Fulton Bank Closing Cost Assistance Program (CCAP) Secured
Fulton Mortgage Company (Fulton Bank, N.A.)
Forgivable loan · Income limits
Verified Aug 2026See details →
PNC Bank Home Lending Grants (PNC Grant / Low-Income Grant / LMI Borrower Grant)
PNC Bank, N.A.
Assistance grant · Income limits
Targeted area
Verified Jul 2026See details →
Wells Fargo Dream Plan Home Closing Cost Credit
Wells Fargo Bank, N.A.
Assistance grant · Income limits
Targeted area
Verified Jul 2026See details →
Fulton Bank Closing Cost Assistance Program (CCAP)
Fulton Mortgage Company (Fulton Bank, N.A.) in partnership with Operation HOPE
Assistance grant · Income limits
Targeted area
Verified Jul 2026See details →
TD Bank HomeReady Grant
TD Bank, N.A.
Assistance grant · Income limits
First-time
Verified Aug 2026See details →
First Generation Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
First-timeTargeted areaVeterans
Verified Jul 2026See details →
NJCC Statewide Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
First-time
Verified Jul 2026See details →
NJHMFA First-Time Homebuyer Mortgage Program
New Jersey Housing and Mortgage Finance Agency (NJHMFA)
First mortgage · Income limits
First-timeTargeted areaVeterans
Verified Jul 2026See details →
NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program
New Jersey Housing and Mortgage Finance Agency (NJHMFA)
First mortgage · New construction
Verified Aug 2026See details →
Federal
62 programsU.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant
Assistance grant · Income limits
NationwideVeterans
Verified Jul 2026See details →
America First Credit Union 100% No PMI Adjustable-Rate Mortgage
First mortgage
Nationwide
Verified Jul 2026See details →
American Pacific Mortgage 1% Home Program
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
American Pacific Mortgage Pathway DPA
Deferred second loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jun 2026See details →
BluePoint Mortgage Zero-Down Home Loan
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
BNY Down Payment Assistance
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
Chase Bank Homebuyer Grant
Assistance grant · Income limits
NationwideTargeted area
Verified Sep 2026See details →
Chico Rancheria Housing Corporation Homebuyer Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Citibank, N.A. HomeRun Mortgage
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
Confederated Tribes of Grand Ronde Down Payment Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
CrossCountry Mortgage Community Promise
Assistance grant · Income limits
NationwideTargeted area
Verified Jul 2026See details →
CrossCountry Mortgage Non-QM loans
Assistance grant
Nationwide
Verified Jul 2026See details →
CrossCountry Mortgage Smart Start Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
First-timeNationwideTargeted area
Verified Jul 2026See details →
Direct Mortgage Loans Go Direct FHA 100% Financing
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
Empowered DPA Program Down Payment Assistance
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
Essex Mortgage 10 Year Amortized 2 Plus
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
Essex Mortgage Forgivable/Deferred Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Fairway Independent Mortgage Corporation Affordable Housing
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
Fairway Independent Mortgage Corporation HOPER's Incentive Program
Assistance grant · Income limits
NationwideTargeted area
Verified Jul 2026See details →
First Bank Thrive Mortgage Loan
Assistance grant · Income limits
NationwideTargeted area
Verified Jul 2026See details →
Flagstar - Flagstar Gift Program
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Guild Mortgage 1% Down Program
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Guild Mortgage 3-2-1 Home Plus Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Guild Mortgage Doctor and Medical Professionals Program
Assistance grant
Nationwide
Verified Jul 2026See details →
Guild Mortgage MyPath2Own Program
Forgivable loan · Forgiven over 5 yrs · Income limits
First-timeNationwide
Verified Jul 2026See details →
Guild Mortgage Zero Down Mortgage Program
Deferred second loan · Income limits
First-timeNationwideTargeted area
Verified Jul 2026See details →
HSBC Bank USA CommunityWorks
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
Lakeview National Down Payment Assistance Homeownership Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Land Home Financial Services, Inc. House2Home Program
Assistance grant · Income limits
Nationwide
Verified Jul 2026See details →
Lennar Mortgage Advantage Plus Program
Assistance grant · New construction
Nationwide
Verified Jul 2026See details →
Luminate Bank Luminate PATH National DPA Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jun 2026See details →
MEP Advantage DPA Program
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
NACA Homeownership through Public Housing Assistance (HOT-PHA)
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
NACA's New Construction Homes
Assistance grant · New construction · Income limits
Nationwide
Verified Jul 2026See details →
NASA FCU $0 Down, No PMI Mortgage Purchase
Assistance grant
Nationwide
Verified Jul 2026See details →
National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
Deferred second loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Navy Federal Credit Union Homebuyers Choice Loan
Assistance grant
First-timeNationwideVeterans
Verified Jul 2026See details →
Navy Federal Credit Union Military Choice Loan
Assistance grant
NationwideVeterans
Verified Jul 2026See details →
North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Northern Circle Indian Housing Authority Down Payment Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
Northpointe Bank ONE+ Loan Program
Assistance grant · Income limits
First-timeNationwide
Verified Jun 2026See details →
Pathway Homes Essential Workers Program
Shared-appreciation loan · Income limits
NationwideEducators
Verified Jun 2026See details →
PNC Bank Low to Moderate Income Borrower Grant
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
PNC Bank PNC Grant
Assistance grant · Income limits
NationwideTargeted area
Verified Jun 2026See details →
Primary Residential Mortgage Down Payment Program
Deferred second loan · Income limits
Nationwide
Verified Jul 2026See details →
Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
Forgivable loan · Forgiven over 3 yrs · Income limits
Nationwide
Verified Jul 2026See details →
Rocket Mortgage ONE+ By Rocket Mortgage Program
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
Siletz Tribal Housing Department Down Payment Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
State Department Federal Credit Union First-Time Homebuyer Mortgage
Assistance grant
First-timeNationwide
Verified Jul 2026See details →
Susan's Savings First Time Home Buyers Program
Assistance grant · New construction · Income limits
First-timeNationwide
Verified Jul 2026See details →
Tyndall Federal Credit Union $1,000 Off Closing Cost
Assistance grant
Nationwide
Verified Jun 2026See details →
Tyndall Federal Credit Union $450 Closing Cost
Assistance grant
Nationwide
Verified Jun 2026See details →
U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door
Assistance grant · Forgiven over 3 yrs · Income limits
NationwideEducators
Verified Jul 2026See details →
U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program
Assistance grant · Income limits
Nationwide
Verified Jun 2026See details →
U.S. Department of Housing and Urban Development HCV Homeownership Program
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
U.S. Department of the Interior Indian Affairs Down Payment Assistance
Assistance grant · Income limits
First-timeNationwide
Verified Jul 2026See details →
U.S. Department of Veterans Affairs Native American Direct Loan
Assistance grant · Income limits
NationwideVeterans
Verified Jun 2026See details →
U.S. Department of Veterans Affairs VA-backed Purchase Loan
Assistance grant · Income limits
NationwideVeterans
Verified Jul 2026See details →
USDA Rural Development Single Family Housing Guaranteed Loan Program
First mortgage · Income limits
Nationwide
Verified Jul 2026See details →
Valley First Credit Union Middle Income Homebuyer Program
Assistance grant · Income limits
First-timeNationwide
What’s local to Upper Saddle River
There are no programs run by Upper Saddle River itself. A Upper Saddle River buyer uses Bergen County’s programs, plus the statewide and federal ones above — all of which are open to them.
The closest city that runs its own program is Paterson, about 11 miles away. City programs usually require the home to be inside that city’s limits — worth checking if you’re still choosing where to buy.
HUD puts the 2026 area median income for Bergen County at $139,100 for a four-person household. 21 of the programs listed here set an income limit as a percentage of that figure, which is why the same program admits a different income in a different county. Published limits for New Jersey →
90-second match
Not sure which you qualify for?
Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.
Find my programsQuestions, answered
The honest answers first
Do I need to share my SSN or get a credit check?
No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.
Is this free?
Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.
Are these all the programs?
We list active programs we've verified for Upper Saddle River and New Jersey, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.
Can I use more than one?
Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.
How current is this?
We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.