NJCC Statewide Down Payment Assistance Program

NJCC Statewide Down Payment Assistance Program是面向Statewide，New Jersey购房者的可免除贷款。 The NJCC Statewide Down Payment Assistance Program is the flagship statewide DPA grant operated by NJCC's Address Yourself(TM) program. Available to income-eligible first-time buyers purchasing a 1-4 family primary residence anywhere in New Jersey, the program provides $5,000 - $30,000 in DPA depending on need. Buyers must earn less than 100% of the HUD area median income for their county and household size, and the maximum purchase price is $625,000. Funded in partnership with a variety of lenders and funders. Structured as a 5-year forgivable second mortgage at 0% interest. Provides $5,000 - $30,000 in down payment and closing cost assistance grants to income-eligible first-time buyers purchasing a primary residence anywhere in New Jersey, depending on need. Forgivable over 5 years (20% per year), 0% interest, no monthly payment. 资金来自Nonprofit、CDFI、Bank和Foundation。

NJCC Statewide Down Payment Assistance Program在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale, refinance (without subordination), or property no longer used as primary residence prior to 5-year forgiveness和balance forgiven 20% per year。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

NJCC Statewide Down Payment Assistance Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Standard 3-year first-time homebuyer rule。 关于信用，该项目说明：Per first-mortgage product overlay (typically 620+ FICO)。 须参加购房者教育课程，由NJCC- and HUD-approved housing counseling agencies; pre-purchase counseling certificate (within 1 year) required提供。 居住要求：Property must be located in New Jersey and used as the borrower's primary residence。 公民身份或移民身份：U.S. citizen, qualified non-citizen, or ITIN holder eligible。 Must be a first-time homebuyer (no ownership in past 3 years) purchasing a 1-4 family primary residence anywhere in New Jersey. Must enroll in the Address Yourself homeownership program, complete HUD-approved pre-purchase counseling, and be preapproved with one of NJCC's approved lenders. ITIN holders are eligible. Must be under contract before applying. Maximum purchase price $625,000.

NJCC Statewide Down Payment Assistance Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Up to 100% of HUD Area Median Income (AMI) by county and household size. Statewide range across all counties and household sizes (2025 HUD): low end ~ $59,500 (1-person, lowest county) up to ~ $188,700 (8-person, highest county). Income limits increase with household size; see the NJCC NJ 100% AMI table. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

NJCC Statewide Down Payment Assistance Program将房价上限设为$625,000。 符合条件的房屋类型包括1-4 family residential property occupied as primary residence。 新建房屋符合条件。 预制房屋不符合条件。

NJCC Statewide Down Payment Assistance Program服务于在Statewide，New Jersey购房的购房者。

NJCC Statewide Down Payment Assistance Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Reserved through Address Yourself online application process once borrower is enrolled, preapproved, and under contract; funds disbursed to settlement agent at closing预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。