Homebuyers

Homebuyers

The New Jersey Housing and Mortgage Finance Agency provides a variety of programs to help prospective homebuyers purchase a home.

 NJ Homebuyer Guide Cover

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New Jersey HomeSeeker Program

The New Jersey HomeSeeker Program provides $16,000 for first-time homebuyers and veterans to use as downpayment and/or closing cost assistance when purchasing a home in Atlantic, Camden, Essex, Gloucester, Passaic or Union County.

Smart Start

The Smart Start Program provides first-time homebuyers with up to 4% of their mortgage amount to use as downpayment and/or closing cost assistance, when purchasing a home in a Smart Growth Area

Homeward Bound Homebuyer Mortgage

Homeward Bound is open to first-time homebuyers, trade up and trade down borrowers.

For first-time homebuyers, Homeward Bound is the foundational mortgage program that can be combined with the HomeSeeker or Smart Start programs, to provide either $16,000 OR up to 4% of your mortgage amount in interest-free, forgivable funding that can be used to cover downpayment and/or closing costs. 

Police and Firemen's Retirement System Mortgage Program

Information about the NJHMFA's Police and Firemen's Retirement System Mortgage Program

First-Time Homebuyer

Information about the NJHMFA's First-Time Homebuyer Program

Urban Target Areas (UTAs)

Information about Urban Target Areas (UTAs)

Site Evaluator

The Site Evaluator is an interactive mapping tool that offers a response to Urban Target Areas, Smart Growth and program eligibility inquiries.

Sandy Homebuyer Assistance Program

Visit this page for detailed information about the Sandy Homebuyer Assistance Program

Homebuyer FAQ's

Here are some frequenly asked questions about the homebuying process.