Accumulating the funds for downpayment and closing costs is a common barrier to potential homeowners.

The Smart Start Program is available to participants in the Agency's First-Time Homebuyer program who are purchasing homes in Smart Growth Areas. The program helps these families by offering a second mortgage for downpayment and/or closing costs up to 4% of the first mortgage.
 
Further detail is available on our Smart Start Fact Sheet (351k PDF) or call 1-800-NJ-HOUSE.