NJHMFA Down Payment Assistance Program

NJ Housing and Mortgage Finance Agency

Available Home Repair

About This Program

The Grant Map catalogs NJHMFA Down Payment Assistance Program in its Newark, NJ research directory. Directory placement does not confirm current service coverage or eligibility; verify both with the program administrator.

Up to $15,000 forgivable loan for down payment and closing costs, plus additional $7,000 for first-generation homebuyers (total up to $22,000). No interest and no monthly payments. Forgiven after 5 years of continuous owner-occupancy. Must pair with NJHMFA first mortgage.

$15,000 base + $7,000 first-gen bonus; forgiven after 5 years

The cited program-specific URL responded on 2026-07-21; confirm current terms.

Record set last reviewed 2026-04-03. How we verify our data.

Other published resources for Newark, NJ, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:

Key Details

  • Up to $15,000 forgivable second loan (0% interest)
  • Additional $7,000 for first-generation homebuyers
  • No monthly payments; forgiven after 5 years
  • Must pair with NJHMFA first mortgage
  • Amount varies by county of purchase

How to Apply

Review possible next steps Open Cited Source Track this program

Program phone: 609-278-7400

Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.

You may need a contractor or estimate

Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Newark.

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Our record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.

Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing

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Frequently asked questions

What amount is listed for NJHMFA Down Payment Assistance Program in Newark, NJ?

The Grant Map record states: Up to $22,000. Confirm the current amount and eligible costs with the administrator.

How do I apply for NJHMFA Down Payment Assistance Program in Newark, NJ?

Confirm the application route directly with NJ Housing and Mortgage Finance Agency; use the cited source on this page as a starting point or call 609-278-7400. Confirm any fee or cost with the administrator.

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Find More Programs in Newark, NJ

This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.

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