NJ First-Time Homebuyer Program

Up to $15,000 toward your first New Jersey home

New Jersey has a down payment assistance program that many first-time buyers in Somerset and Middlesex County have never heard of. Let's find out what it could mean for you.

  • Help with your down payment and closing costs
  • First-generation buyers may get up to $22,000*
  • A personal walkthrough, at no cost to you
Get the details

Let's talk it through

Tell me how to reach you and I'll be in touch personally. No cost, no obligation.

Tell me how to reach you and I'll be in touch personally. No cost, no obligation.

First Name*
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Phone*
Where are you looking?

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Our team of professionals will be with you every step of the way, from preparing your home for the sale, to handing the keys to the new buyer.

What most first-time buyers don't know

There's more to this program than the headline number. These are the questions I get asked most, and the answers depend on your situation.

How much could you get?

Up to $15,000 for most first-time buyers, and up to $22,000* for first-generation buyers. The amount also depends on where you buy.

Are you a first-generation buyer?

It comes down to your family's history with homeownership, and more people count than you might think.

Does your income fit?

The limits in Somerset and Middlesex County are higher than most people expect, and they change with your household size.

Here's what happens next

No sales pitch and no pressure. Just a conversation about your plans.

1

Tell me how to reach you

Fill in the short form. It takes less than a minute.

2

We talk it through

I'll reach out personally to learn about your plans and walk you through how the program works.

3

You get a clear picture

You'll know where you stand and what your next step is, whether you're buying soon or just starting to look.

See what this could mean for your first home

A short conversation is all it takes to find out. Reach out and I'll take it from there.

Get the details

*The first-generation amount is subject to separate eligibility rules and funding. Confirm current availability with an NJHMFA participating lender.

Real Estate by DK is not affiliated with NJHMFA or the State of New Jersey and is not a lender. Program information is taken from NJHMFA's First-Time Homebuyer fact sheet effective June 17, 2026, and may change or end without notice. Assistance is subject to funding availability, and eligibility is decided by NJHMFA participating lenders. This is not a commitment to lend.