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mortgages Buying a Home -New Jersey Real Estate and Mortgages

Buying a Home - New Jersey mortgages, down payment assistance and first time home buyer grants for buying New Jersey  real estate.

Research the available New Jersey mortgages and home loan programs for buying New Jersey real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying New Jersey real estate. 

Government grants for buying a home

Here are some links for government grants for buying a home in New Jersey.


N.J. Department of Community Affairs
Division of Housing
South Broad & Front Streets
P.O. Box 806
Trenton, NJ 08625-0806
(609) 984-8452

Homebuying Programs in the following Counties:

Atlantic County

City of Atlantic City
Office of Community Development
City Hall - Room 505
1301 Bacharach Boulevard
Atlantic City, NJ 08401
(609) 347-5373

Bergen County

Bergen County Community Development Office
25 East Salem Street
Hackensack, NJ 07601
(201) 646-2559

Burlington County

County of Burlington 1st Time Homebuyer's Program
795 Woodlane Road
Human Services Facilities
West Hampton, NJ 08060
(609) 265-5072

Camden County

City of Camden
Bureau of Grants Management
City Hall - Room 213
Camden, NJ 08101
(856) 968-6423

Camden County
Dept. of Community Development
P.O. Box 100
Blackwood, NJ 08012
(856) 374-6333

Housing & Economic Opportunities (HEO) of South Jersey
(856) 964-6887

Essex County

City of East Orange
Dept. of Neighborhood Housing & Revitalization
44 City Hall Plaza
East Orange, NJ 07019
(973) 266-5143

Community Urban Renewal Enterprises (CURE)
(201) 217-0855

Essex County Division of Housing and Community Development
120 Fairview Avenue
Cedar Grove, NJ 07009
(973) 509-9887

J.P. Affordable Housing
(201) 217-0855

Metropolitan Ecumenical Ministries/CDC
(973) 481-6650

Unified Vailsburg Services Organization (UVSO)
40 Richelieu Terrace
Newark, NJ 07106
(973) 374-2000, x12


Gloucester County Department of Economic Development
Division of Housing & Community Development
Budd Boulevard Complex
Woodbury, NJ 08096
(856) 384-6970

Hudson County

Hudson County Housing Resource Center
574 Newark Avenue
Jersey City, NJ 07306
(201) 795-5615

Hudson County Division of Community Development
Brennan Courthouse
583 Newark Ave.
Jersey City, NJ 07306
(201) 795-6186

Jersey City Division of Community Development
30 Montgomery Street
Jersey City, NJ 07302
(201) 547-6910

Mercer County

Mercer County Housing & Community Development
McDade Administration Building
640 South Broad Street
Trenton, NJ 08650
(609) 989-6959

Trenton City Home Corporation, Inc.
319 East State Street
Trenton, NJ 08608
(609) 989-3504

Middlesex County

Housing Development Corporation
Homebuyer Soft Costs Assistance Loan Program
1 Olive Street
Perth Amboy, NJ 08861
(732) 826-1519

Middlesex County Dept. of Housing. & Community Development
100 Bayard Street - 2nd Floor
New Brunswick, NJ 08901
(732) 745-3519

New Brunswick Office of Community Development
12 Church Street
New Brunswick, NJ 08901
(732) 745-5120

Monmouth County

Asbury Park Community Development Program
Homebuyers Assistance Program
One Municipal Complex
Asbury Park, NJ 07712
(732) 502-5730

Long Branch Community Assistance Program
Office of Community & Economic Development
344 Broadway
Long Branch, NJ 07740
(732) 571-5688

Monmouth County Community Development
First Time Homebuyers Program
Hall of Records Annex
1 East Main Street
Freehold, NJ 07728
(732) 431-7490

Morris County

The Housing Partnership for Morris County
2 East Blackwell Street, Suite 29
Dover, NJ 07801
(973) 659-9222

Ocean County

O.C.E.A.N., Inc.
40 Washington Street
Toms River, NJ 08753
(732) 657-1665

Ocean County Dept. of Planning
129 Hooper Avenue
Toms River, NJ 08754
(732) 244-5333

Passaic County

Passaic Affordable Housing Corporation
Homebuyer Downpayment Assistance
333 Passaic Street
Passaic, NJ 07055
(973) 365-6753

Paterson Department of Community Development
Housing Division
125 Ellison Street, 3rd Floor
Paterson, NJ 07505
(973) 321-1214

Somerset County

Somerset County Coalition on Affordable Housing
1 West Main Street
Somerville, NJ 08876
(908) 704-9801

CDC Properties
630 Franklin Boulevard
Somerset, NJ 08876
(732) 247-0444

Union County

Elizabeth Home Improvement Program
50 Winfield Scott Plaza
Elizabeth, NJ 07201
(908) 352-8450

Union County Department of Economic Development
Division of Community Development
Administration Building
Elizabeth, NJ 07207
(908) 527-4057

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in New Jersey.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in New Jersey or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in New Jersey.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here



Loan Amount:

Annual Tax:

Annual Insurance:


Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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New Jersey Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  New Jersey real estate of homes for sale.

Complete the form below for direct access to the following types of New Jersey real estate listings:

  • New Jersey Real Estate Listings and MLS
  • New Jersey HUD Homes
  • New Jersey For Sale By Owner Homes
  • New Jersey New Homes for Sale
  • New Jersey Foreclosure Homes for Sale
Access New Jersey Real Estate Listings

You will get free unlimited access to search New Jersey real estate property listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.


First & Last Name

Email Address

How soon will you be buying a home?

You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

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