Homebuyer and rental help in New Jersey
Help buying a home, such as low-rate mortgages and down payment help, plus programs for affordable rentals.
Some homebuyer help comes as loans that must be repaid.
Apply on the official site ↗Goes to njhousing.gov. Applying is free.
Who generally qualifies
First-time and moderate-income homebuyers in New Jersey, and renters looking for affordable housing; limits vary by program.
Exact income limits and rules are set by New Jersey Housing and Mortgage Finance Agency and can change. Check the official site for current details.
How to apply
- Browse programs on njhousing.gov.
- For homebuyer programs, contact one of the agency's approved lenders.
- For rentals, use the agency's search tools or listed partners.
What to have ready
- Proof of income
- Credit history
- Tax returns
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. It's a free or low-cost service, not a loan.
- Who decides if I qualify?
- New Jersey Housing and Mortgage Finance Agency makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check njhousing.gov for the latest details.
Added October 21, 2026. BenefitSearch is not affiliated with New Jersey Housing and Mortgage Finance Agency.