Statewide options include up to $15K through a forgivable second loan, plus another $7K for qualifying first-generation buyers when paired with the required mortgage.
Another statewide program offers $5K to $30K for down payment or closing costs, with forgiveness tied to continued owner occupancy in NJ.
County programs can be larger: Bergen offers up to $65K plus matching grant help, while Essex offers up to $50K deferred assistance.
City-level help may be especially meaningful: Jersey City provides up to $150K, Newark $20K, Camden ~$15K, and Trenton $15K for eligible buyers.
Eligibility commonly depends on first-time buyer status, income and price caps, counseling, owner occupancy, and checking current guidelines before funds run out.