Down payment assistance

Down payment assistance in Whitesboro-Burleigh, NJ

69 programs a Whitesboro-Burleigh buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

Find my programs Embed this

Free forever · No credit pull · 90 seconds

Programs available: 69
Open to first-time buyers: 28
Forgivable: 57
Largest award: $30,000

69 programs

In Cape May County

1 program

Habitat for Humanity of Cape May County Homeownership Program

Habitat for Humanity of Cape May County

Assistance available

Down-payment assistance · New construction

Verified Jun 2026

Across New Jersey

19 programs

Homebuyer Dream Program (HDP)

Federal Home Loan Bank of New York (via participating member lenders)

Up to $30,000

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time

Verified Jun 2026

Homebuyer Dream Program Plus (HDP Plus)

Federal Home Loan Bank of New York (via participating member lenders)

Up to $30,000

Assistance grant · Income limits

First-timeTargeted area

Verified Jun 2026

Homebuyer Dream Program Wealth Builder

Federal Home Loan Bank of New York (via participating member lenders)

Up to $30,000

Assistance grant · Income limits

First-timeTargeted area

Verified Jun 2026

NJHMFA Down Payment Assistance Program (DPA)

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

Up to $15,000

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeTargeted areaVeterans

Verified Jun 2026

Bank of America Down Payment Grant

Bank of America, N.A.

Up to $10,000

Assistance grant · Income limits

First-timeTargeted area

Verified Jun 2026

Housing Partnership First-Time Homebuyer Down Payment Assistance Program

Housing Partnership (NeighborWorks HomeOwnership Center)

Up to $10,000

Deferred second loan · Income limits

First-time

Verified Jun 2026

Wells Fargo Homebuyer Access Grant

Wells Fargo Bank, N.A.

Up to $10,000

Assistance grant · Income limits

Targeted area

Verified Jun 2026

Bank of America America's Home Grant

Bank of America, N.A.

Up to $7,500

Assistance grant · Income limits

Targeted area

Verified Jun 2026

Chase Homebuyer Grant

JPMorgan Chase Bank, N.A.

Up to $5,000

Assistance grant · Income limits

Targeted area

Verified Jun 2026

Columbia Bank Access Homeownership Grant

Columbia Bank (New Jersey)

Up to $5,000

Assistance grant · Forgiven over 2 yrs · Income limits

First-timeTargeted area

Verified Jun 2026

Fulton Bank Closing Cost Assistance Program (CCAP) Secured

Fulton Mortgage Company (Fulton Bank, N.A.)

Up to $5,000

Forgivable loan · Income limits

Verified Jun 2026

PNC Bank Home Lending Grants (PNC Grant / Low-Income Grant / LMI Borrower Grant)

PNC Bank, N.A.

Up to $5,000

Assistance grant · Income limits

Targeted area

Verified Jun 2026

Wells Fargo Dream Plan Home Closing Cost Credit

Wells Fargo Bank, N.A.

Up to $5,000

Assistance grant · Income limits

Targeted area

Verified Jun 2026

Fulton Bank Closing Cost Assistance Program (CCAP)

Fulton Mortgage Company (Fulton Bank, N.A.) in partnership with Operation HOPE

Up to $4,000

Assistance grant · Income limits

Targeted area

Verified Jun 2026

TD Bank HomeReady Grant

TD Bank, N.A.

Up to $2,500

Assistance grant · Income limits

First-time

Verified Jun 2026

First Generation Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeTargeted areaVeterans

Verified Jun 2026

NJCC Statewide Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time

Verified Jun 2026

NJHMFA First-Time Homebuyer Mortgage Program

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

First mortgage

First mortgage · Income limits

First-timeTargeted areaVeterans

Verified Jun 2026

NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

First mortgage

First mortgage · New construction

Verified Jun 2026

Federal

49 programs

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide

Verified Jun 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide

Verified Jun 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide

Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

Land Home Financial Services, Inc. House2Home Program

Deferred

Deferred second loan · Income limits

Nationwide

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide

Verified Jun 2026

Lennar Mortgage Breathe Easy Program

Grant

Assistance grant · New construction

Nationwide

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide

Verified Jun 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans

Verified Jun 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans

Verified Jun 2026

New American Funding Pathway to Homeownership

Grant

Assistance grant · Income limits

First-timeNationwide

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area

Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide

Verified Jun 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide

Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide

Verified Jun 2026

Tricon Down Payment Assistance Program

Deferred

Deferred second loan · Income limits

Nationwide

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide

Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide

Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators

Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans

Verified Jun 2026

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Grant

Assistance grant · Income limits

NationwideVeterans

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans

Verified Jun 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026

USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Rural Development (Vermont/New Hampshire State Office)

First mortgage

First mortgage · New construction · Income limits

Nationwide

Verified Jun 2026

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 programs

Questions, 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 Whitesboro-Burleigh 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.