NJHMFA First-Time Homebuyer Mortgage Program

NJHMFA First-Time Homebuyer Mortgage Program是面向New Jersey购房者的第一抵押贷款，由New Jersey Housing and Mortgage Finance Agency (NJHMFA)管理。 NJHMFA First-Time Homebuyer Mortgage Program provides qualified NJ first-time homebuyers a competitive 30-year fixed-rate government-insured loan (FHA/VA/USDA) originated through a participating lender. It is the foundational first mortgage paired with the NJHMFA Down Payment Assistance second loan (up to $15,000 forgivable) and First Generation DPA. Borrowers occupy within 60 days; income and purchase-price limits apply by county and household size. Competitive 30-year fixed-rate first mortgage. Government-insured options (FHA/VA/USDA). Below-market rate funded by tax-exempt bonds. Pairs with NJHMFA DPA (up to $15,000 forgivable). Pairs with First Generation DPA ($7,000). Higher limits and first-time waiver in Urban Target Areas. 资金来自NJHMFA tax-exempt mortgage revenue bonds。

NJHMFA First-Time Homebuyer Mortgage Program是第一抵押贷款，按New Jersey Housing and Mortgage Finance Agency (NJHMFA)设定的条款偿还。 该援助以First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。

NJHMFA First-Time Homebuyer Mortgage 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：First-time requirement waived for UTA properties and Qualified Veterans (must not own another primary residence at closing). 关于信用，该项目说明：Set by lender/insurer (FHA/VA/USDA); minimum not published on fact sheet. 居住要求：No NJ residency requirement; property in NJ, owner-occupied. 公民身份或移民身份：U.S. citizen or permanent legal resident. Loan term 30-year fixed. Rate set by NJHMFA, quoted via participating lenders (no published rate). Occupy within 60 days. First-time = no primary-residence ownership in prior three years; waived in UTAs and for Qualified Veterans. Federal recapture may apply (IRS Section 143). U.S. citizen or permanent legal resident; no NJ residency requirement. Min credit score and max DTI set by lender/insurer (not published). Limits eff. 07.28.25.

NJHMFA First-Time Homebuyer Mortgage Program将家庭收入限制在地区收入中位数的140%，该数值因县和家庭人数而异。 County- and household-size-based, capped at 140% AMI; UTA properties get higher tiers. Effective 07.28.25. 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。

NJHMFA First-Time Homebuyer Mortgage Program的房价上限如下：County/unit based (eff. 07.28.25). 1-family non-UTA: $544,233 (Atlantic/Cumberland/Mercer/Warren) to $1,255,921 (high-cost group); higher UTA limits up to $1,535,015 (1-family). FHA/VA limits prevail if lower. 符合条件的房屋类型包括Single Family、Condo、Townhouse、2-4 Unit和Manufactured。 预制房屋符合条件。

NJHMFA First-Time Homebuyer Mortgage Program在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

NJHMFA First-Time Homebuyer Mortgage Program服务于在New Jersey任何地方购房的购房者。 该项目针对特定区域：Urban Target Areas (UTAs): first-time requirement waived and higher income limits (120%/140% AMI). Confirm via NJHMFA Site Evaluator.

NJHMFA First-Time Homebuyer Mortgage Program的申请通过New Jersey Housing and Mortgage Finance Agency (NJHMFA)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/originated through NJHMFA participating lenders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。