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Golden Neighborhood Homeownership Program

Up to $0 toward a down payment in NJ.

See if I qualify
Location
NJ
Type
Forgivable assistance
Max assistance
$0
Income limit
$109,300
Min. credit score
660
First-time buyer
Required
Property types
Single family, Townhouse, Condo, 2–4 unit (owner-occupied)

Jersey City HOME-funded forgivable second up to $30,000 for first-time homebuyers in designated Golden Neighborhoods. Tiered AMI (50/80/120%). Min FICO 660. 10-year affordability period.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Golden Neighborhood Homeownership Program, explained

A short, free course on Golden Neighborhood Homeownership Program: what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.