NJ Down Payment Assistance for First-Time Homebuyers

Buying a home in New Jersey may be easier with help from the New Jersey Housing and Mortgage Finance Agency (NJHMFA). Qualified first-time homebuyers may be eligible for assistance with down payment and eligible closing costs when purchasing a primary residence in New Jersey.

For homes purchased in Camden, Gloucester or Burlington County, the current NJHMFA Down Payment Assistance Program provides $10,000 in assistance. Qualified first-generation homebuyers may receive an additional $7,000, bringing the potential total assistance in these South Jersey counties to $17,000.

Assistance amounts vary by county. Certain other New Jersey counties currently qualify for $15,000 in standard down payment assistance, allowing eligible first-generation buyers in those counties to receive as much as $22,000 total.

How NJ Down Payment Assistance Works

NJHMFA down payment assistance is structured as an interest-free, five-year forgivable second loan with no monthly payment. The assistance must be paired with an eligible NJHMFA first mortgage obtained through a participating lender.

A buyer using the program must meet applicable mortgage, income, purchase-price and property requirements. For programs requiring first-time homebuyer status, NJHMFA generally defines a first-time buyer as someone who has not owned a primary residence during the previous three years.

First-Generation Homebuyer Assistance

NJHMFA also provides an additional $7,000 in down payment and closing-cost assistance for qualified first-generation homebuyers. This assistance is combined with the NJHMFA Down Payment Assistance Program and an eligible NJHMFA first mortgage.

For an eligible first-generation buyer purchasing in Camden, Gloucester or Burlington County, the current combined assistance can total $17,000.

Who May Qualify?

Eligibility depends on several factors, including household income, purchase price, credit and debt-to-income requirements, first-time or first-generation buyer status when applicable, the property being purchased and the mortgage program being used.

Program amounts, income limits, purchase-price limits and eligibility requirements can change. Buyers should confirm current requirements and available assistance with an NJHMFA participating lender before making financial decisions based on a specific assistance amount.

For current program information and participating lenders, visit the New Jersey Housing and Mortgage Finance Agency homebuyer programs.

Start Your South Jersey Home Search

Once you understand your financing and down payment options, explore current homes for sale throughout Camden County, Gloucester County and Burlington County.

I'm Rocco Nicosia, a New Jersey licensed real estate salesperson with RealtyMark. I help first-time buyers and other homebuyers throughout South Jersey understand the home-search process and connect with appropriate mortgage professionals when financing assistance may be available.

South NJ Homes for Sale – Current MLS Listings

$345,000

4 Beds ⋅ 3 Baths ⋅ COMING SOON Status

Opportunity Knocks in Chesilhurst! Bring your vision and unlock the potential of this spacious split-level home located on a quiet residential street in Chesilhurst, New Jersey. Featuring 4 bedrooms, 2.5 bathrooms, a spacious layout, and a huge backyard, this property offers plenty of room to create the home you've been looking for. Whether you're a first-time buyer looking for sweat-equity potential, or a buyer ready to renovate and customize a home to your own taste, this property offers an exciting opportunity. The generous backyard provides plenty of possibilities for outdoor entertaining, gardening, recreation, or simply enjoying your own private space. The existing solar panels are another added feature for buyers interested in energy-conscious living. This is an estate sale and is being sold strictly in AS-IS condition. The price reflects the current condition of the property and the repairs and improvements that may be needed. Situated on a quiet street in a residential setting, this home offers space, potential, and the opportunity to build equity through improvements. If you're looking for a property where you can add your personal touch, and create something special, 410 First Avenue is ready for its next chapter. Don't miss the opportunity to see the possibilities!

410 1st Ave, Chesilhurst, NJ

Listing courtesy of Real Broker, LLC. Contact:

$399,000

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

470 First St, Atco, NJ

Listing courtesy of EXP Realty, LLC. Contact:

$265,000

2 Beds ⋅ 2 Baths ⋅ ACTIVE Status

(pics to be uploaded on 10-7-2026) Nestled in the charming community of Terrestria, this exquisite Colonial townhouse offers a perfect blend of comfort and sophistication. With a thoughtfully designed open floor plan, this home invites you to experience a lifestyle of ease and elegance. The interior features a harmonious flow between the living and dining areas, ideal for both intimate gatherings and entertaining guests. As you step inside, you are greeted by warm, inviting spaces adorned with a mix of engineered wood and plush carpeting, creating a cozy atmosphere throughout. The efficiency kitchen is a delightful space, perfect for culinary adventures, while the combination dining/living area provides a seamless transition for entertaining. Enjoy the convenience of a well-appointed 2nd floor bathroom featuring a tub shower and updated vanity with access from the main hall and can close for privacy for the primary bedroom comfort. The home is also complemented by a convenient half bath for guests on 1st floor. The upper floor laundry adds a touch of practicality, making daily chores a breeze. Two generously sized bedrooms offer a serene retreat, each designed to maximize comfort and tranquility. Ceiling fans enhance the ambiance, ensuring a refreshing breeze on warm days. Step outside to discover the community's inviting amenities, including a sparkling community pool that beckons for leisurely afternoons under the sun. The community also has a community center. The exterior of the home boasts a classic brick and stucco façade, exuding timeless charm and durability. Enjoy the convenience of assigned parking in a well-lit lot, ensuring peace of mind as you come and go. The surrounding neighborhood is adorned with street lights, creating a welcoming environment for evening strolls. With a lot size of just 0.02 acres, this property offers low-maintenance living, allowing you to spend more time enjoying the finer things in life. This home is not just a residence; it's a lifestyle choice that embodies comfort, community, and convenience. This area has a rich, steeped history of being so conveniently located that many of the area's professional athletes have chosen to make this area their homes while playing for the Philadelphia sports teams. Experience the joy of living in a space that feels like home, where every detail has been considered for your utmost enjoyment. Embrace the opportunity to make this charming townhouse your own and indulge in the exclusive lifestyle it offers. The location is only 15 minutes to Philadelphia sports complexes, homes of the Philadelphia Eagles, Phillies, 76ers and Flyers. There is also The Gloucester Premium Outlet Shopping as well as many restaurants, plenty of fast food and pizza shops, banks, doctor offices, car dealers, and 2 Walmarts within 5 miles of the Deptford Mall 10 minutes. NJ Shore Points such as world-famous beaches that include Atlantic City's nightlife, beaches and casinos, Ocean City, NJ, The Famous Wildwoods, and Cape May Beaches, all within and approximately an hour's drive. If ease of living and location are your desires... this home fits all your needs! Bring your offer sheet; this will not last!

627 Jaeger Ct, Sicklerville, NJ

Listing courtesy of Century 21 Rauh & Johns. Contact:

$385,000

5 Beds ⋅ 3 Baths ⋅ COMING SOON Status

Nestled in a charming neighborhood, this delightful bi-level home offers a perfect blend of comfort and community spirit. With 1,896 square feet of living space, this residence features five spacious bedrooms and two and a half bathrooms, making it an ideal retreat for those seeking room to grow. The heart of the home is a cozy living area, complete with a warm fireplace that invites you to unwind after a long day. The well-designed layout ensures that every corner of the home feels inviting and functional. The attached garage and driveway provide ample parking, while the surrounding streets are perfect for leisurely strolls or bike rides. This vibrant community is known for its friendly atmosphere and strong sense of belonging. Nearby schools are highly regarded, offering quality education and a variety of extracurricular activities that foster growth and development. Convenience is key, with essential public services just a stone's throw away. Whether you're looking for shopping, dining, or recreational activities, everything you need is within reach. This home is not just a place to live; it's a gateway to a lifestyle filled with community connections and cherished memories. Experience the warmth and comfort of this lovely home, where every day feels like a new beginning in a neighborhood that truly feels like home.

7991 Grant Ave, Pennsauken, NJ

Listing courtesy of Better Homes and Gardens Real Estate Maturo. Contact:

$225,000

4 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Welcome to this beautifully renovated investment property in Camden, NJ. This spacious home offers a modern, updated interior with quality finishes throughout. The first floor features a completely remodeled kitchen with brand-new cabinetry, elegant marble countertops, and stainless-steel appliances. It also includes a separate bedroom and full bathroom. Throughout the property, you’ll find brand-new vinyl flooring, fresh paint, and extensive renovations that give the home a modern feel. Upstairs, the property offers four generously sized bedrooms, each with ample closet space, plus a fully remodeled full bathroom with stylish ceramic tile and modern finishes. With its spacious layout, extensive updates, and investment potential, this property is a great opportunity for investors or buyers looking for a move-in-ready home. Schedule your appointment today.

Camden, NJ

Listing courtesy of Weichert Realtors-Haddonfield. Contact:

$240,000

4 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Lovely twin home with off-street parking. Living room, formal dining room and updated kitchen. First floor bedroom with ensuite bathroom and separate outside entrance. Three bedrooms and a nicely sized hall bathroom on the second level. Full basement with laundry area and bonus room. Newer windows and central air-conditioning. This is an estate sale. The property is being sold in 'as is' condition. Available for immediate occupancy.

2934 Cramer St, Camden, NJ

Listing courtesy of Realty of Princeton. Contact:

$397,603

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Nestled in the charming Kirkwood subdivision, this delightful split-level home offers a perfect blend of comfort and functionality. Built in 1957, this residence has been lovingly maintained and features a variety of inviting interior and exterior elements that make it a true haven. Step inside to discover a warm and welcoming atmosphere, highlighted by beautiful hardwood floors and elegant wainscoting. The spacious living area is perfect for gatherings, featuring a cozy gas fireplace with a classic mantel, ideal for those chilly evenings. The galley kitchen is equipped with retro appliances, including a built-in range, dishwasher, and microwave, making meal preparation a breeze. Enjoy casual dining in the eat-in kitchen or host formal dinners in the separate dining room, where natural light pours in through bay windows. This home boasts three comfortable bedrooms, including a master suite with a walk-in closet, providing ample storage space. The bathrooms are thoughtfully designed, featuring a soaking tub and a convenient tub-shower combination. The fully finished basement offers additional living space, complete with windows and access to the garage, making it perfect for a family room, home office, or play area. Outside, the property sits on a generous 0.29-acre lot, surrounded by mature trees that provide a sense of privacy and tranquility. The beautifully landscaped front yard welcomes you home, while the rear yard offers a secluded retreat for outdoor activities or relaxation. Enjoy evenings in this beautiful pastoral setting, perfect for entertaining or unwinding after a long day. The community of Kirkwood is known for its friendly atmosphere and convenient amenities. With a bus stop and commuter rail station less than a mile away, commuting is a breeze. The local schools are well-regarded, ensuring quality education for all ages. This home is equipped with modern security features, including exterior cameras and motion detectors, providing peace of mind. With an attached garage and ample driveway space, parking is never a concern. Experience the warmth and comfort of this lovely home in Kirkwood, where community spirit and convenience come together to create a truly inviting living experience. This home hearkens back to the days of Ritchie Cunningham and yet contains all of the lovely components for daily living. Update as you see fit or enjoy the amenities of yesteryear. Newest additions: a brand-new dryer and an electrical charging station for a Tesla. And here's an amazing, wonderful bonus!!!! Attached to this property is 1220 Maple Ave., a beautiful piece of unspoiled land. Want to expand the original home? You can do it. Add a pool? Tennis or Pickle Ball Court? the land is wooded and well maintained. .22 acres of 9,583 sq. feet. This blank slate can be whatever your mind and the zoning board approves. It is zoned residential. Close to 295, 42, 55, AC Expressway, dining, houses of worship, casinos, Jersey Shore, Shopping, outlets, Philly, NY, Del. It's all here. Come see for yourself.

1216 Maple Ave, Voorhees, NJ

Listing courtesy of Century 21 Rauh & Johns. Contact:

$365,000

4 Beds ⋅ 2 Baths ⋅ COMING SOON Status

PHOTOS ARE COMING SOON. Welcome to this inviting and well-maintained bi-level home in a quiet Sicklerville neighborhood, offering a wonderful combination of comfortable living spaces, outdoor enjoyment, and thoughtful updates. With its flexible layout and generously sized rooms, this home provides plenty of room to live, relax, entertain, and make lasting memories. The main level offers a welcoming flow between the living and dining areas, creating a comfortable setting for everyday living and gatherings. The kitchen provides the functionality needed for daily life while offering the opportunity for its next owner to make the space their own. Three bedrooms are located on the upper level, along with a full bath, while the lower level adds valuable versatility with additional living space and a flexible room that can serve a variety of purposes depending on the owner's needs. One of the home's standout features is the backyard, where summer living takes center stage. The approximately 24-foot-round, 4-foot-deep above-ground pool creates an inviting space for relaxing and enjoying the warmer months. The pool liner and deck were both updated in 2024, with the pool pump and filter replaced in 2022. The deck was also reboarded in 2024, providing a refreshed outdoor area ready for its next season of enjoyment. Several major household appliances have also been replaced or updated in recent years, adding practical value for the next owner. The stove is from 2018, the hot water heater is from 2019, the washer and dryer are from 2020, and the dishwasher is from 2022. These updates offer the benefit of several important household components having already been replaced rather than all being original to the home. Situated in a peaceful residential setting, this home offers the space and flexibility to adapt as life changes. Whether you're enjoying a quiet evening at home, gathering with friends, taking advantage of the backyard, or simply looking for a home with room to grow into over the years, 15 Lynn Drive offers an appealing opportunity in Gloucester Township. Come see the space, the setting, and the improvements for yourself—this home is ready to welcome its next chapter.

15 Lynn Dr, Sicklerville, NJ

Listing courtesy of Jason Mitchell Real Estate New Jersey, LLC. Contact:

$299,777

5 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Handyman Special! Instant Equity to Be Earned! Welcome to 242 Trenton Avenue in Laurel Springs Borough, offering a fantastic opportunity. This home needs some TLC but has so much potential! The main level features a spacious foyer, a full bathroom, a lovely living room, a nicely sized kitchen, and a dining room. The second level offers three generously sized bedrooms and one full bathroom. The third level features a large fourth bedroom, providing additional living space and flexibility. The lower level includes a large unfinished basement offering plenty of storage and endless potential. The exterior is equally impressive with a large backyard, an in-ground pool, a one-car garage, and driveway parking. Location is key! Enjoy being just minutes from Laurel Lake, Whitman Walk at Crystal Springs, East Atlantic Avenue's shopping and dining, and convenient access to major commuting routes and the PATCO line. Home is being sold in as-is condition. Buyer is responsible for the certificate of occupancy (CO), if required. This property has so much to offer and will not last long! Call today to schedule your private showing!

242 Trenton Ave, Laurel Springs, NJ

Listing courtesy of HomeSmart First Advantage Realty. Contact:

$320,000

3 Beds ⋅ 3 Baths ⋅ COMING SOON Status

Your next chapter starts at 18 Mulberry Lane! This beautiful 3-bedroom, 2.5-bath townhome brings together modern style, an open-concept layout, and a private backyard you’ll love making your own. The first floor is made for gathering, with beautiful living and dining spaces flowing into an open concept kitchen with stylish appliances. From dinner parties to cozy nights on the couch, this inviting layout keeps everyone connected. A convenient half bath completes the main level. Upstairs, your primary suite is a retreat of its own, featuring a walk-in closet and an attached full bathroom. Two additional bedrooms and a second full bath offer flexibility for guests, a home office, or whatever comes next. A washer and dryer add everyday convenience. Take the gathering outside! Your private backyard offers space for weekend cookouts, morning coffee, and evenings spent unwinding under the stars. Nearby shopping, restaurants, and the Lindenwold PATCO station, plus access to White Horse Pike and Route 73, make this location easy to enjoy. There’s so much to love at 18 Mulberry Lane. Come experience it for yourself!

18 Mulberry Ln, Clementon, NJ

Listing courtesy of Compass New Jersey, LLC - Moorestown. Contact:

$304,000

3 Beds ⋅ 1 Baths ⋅ COMING SOON Status

6508 Walnut Ave, Pennsauken, NJ

Listing courtesy of Honest Real Estate. Contact:

$205,000

3 Beds ⋅ 2 Baths ⋅ COMING SOON Status

The property is priced accordingly, taking into consideration several cosmetic improvements that may be desired. These include a non-functioning microwave, flooring that could be updated, missing closet doors, tub improvement, and interior painting.

2 Victoria Manor Ct, Sicklerville, NJ

Listing courtesy of Parker Realty Services. Contact:

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