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 Wood-Ridge, NJ
83 programs a Wood-Ridge 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 Wood-Ridge
There are no programs run by Wood-Ridge itself. A Wood-Ridge 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 Passaic, about 2 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 Wood-Ridge 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.