Table of Content
The Department of Community Affairs accepts reviews, approves, and manages most of their grants electronically using the System for Administering Grants Electronically . The median home listing price in Paterson was $334,900 in March 2022, according to Realtor.com. The median home listing price in Jersey City was $635,000 in March 2022, according to Realtor.com. The median home listing price in Newark was $329,000 in March 2022, according to Realtor.com. In other words, subject to those conditions, the down payment loan transforms into a grant after five years, and you don’t have to pay back a cent.

If you’re a first-time home buyer in New Jersey with a 20% down payment, you can get a conventional loan with a low interest rate. And you never have to pay for private mortgage insurance . Residential real estate prices in New Jersey rose by 8% between March 2021 and 2022, according to the New Jersey Realtors Association. So first-time buyers in the state may find they want to take advantage of the assistance programs described below. Grants of up to $5,000 to USA swim instructors, programs, and facilities to provide adult swimming lessons.
Applicant Resources:
The local government in New Jersey actively promotes green initiatives in the housing sector. Funds are available for residents of New Jersey to improve the sustainability of their homes through energy-efficient, environmentally friendly, and healthy design. For metropolitan and some regional areas in New Jersey, housing grants are also given to households to improve location efficiency and disaster resiliency. It’s not evident whether or not Jersey City currently offers any down payment assistance to residents.

Learn how to apply for funding by reading the resources below. To apply directly to available grants, visitNeighborly Software. Grants to USA and territories Tribes to employ volunteer staff to address critical community needs. Funding is intended for services that support underserved and impoverished individuals and communities, veterans and their families, environmental stewardship, faith-bas... HUD, HHS partner to create housing and services resource center for affordable, accessible housing and supportive services.
Grants
Applicants are advised that required registrations may take four weeks or longer to complete. Funding is intended to provide rental subsidies and support services to older ad... New Jersey state departments and agencies provide financial assistance for a variety of programs through grants. The state provides citizens and organizations funds through grants for everything from educational projects to public health initiatives. Information available on the Web about state government grants can be accessed from this page. Grants to USA nonprofit organizations, IHEs, CBOs, FBOs, and tribes for research addressing the health of children and mothers, as well as services targeting children with special health needs.
Applicants are advised that required registrations may take several weeks to finalize. Funding is intended to increase the number of children enrolled in federal healthcare... Grants of up to $10,000 to USA nonprofit organizations, IHEs, Tribes, and government agencies to enhance the care and conservation of noteworthy humanities collections. Applicants are advised that required registrations may take up to a month to finalize.
Housing Grants for Home Businesses
Funding is intended to support recruitment, training, coaching, and placement services for individuals in the state's ov... Grants to USA nonprofit and for-profit organizations, agencies, tribal governments, and IHEs to develop technologies and systems that help promote self-sufficiency for individuals with disabilities. Applicants are advised that required registrations must be completed p... Grants to USA accredited dental schools and dental education programs to increase access to dental health services for low-income, uninsured, and underserved individuals living with HIV. Applicants are advised that the required registrations may take up to one month to...

At this time, we also provide technical assistance to anyone that plans to apply. Organizations usually have one month to submit their applications after the RFP opens. Opportunity for USA CBOs, managed care organizations, and school-to-work transition sites to promote health among individuals with intellectual and developmental disabilities . Participants will take part in a training and certification program to educate individu... Grants of up to $10,000 to New Jersey and Pennsylvania individuals, groups, and organizations in eligible counties for programs to encourage underrepresented groups to utilize outdoor trails. Eligible projects and programs are those that take place in the following cou...
New Jersey first-time home buyer programs
We then sign contracts with our "subgrantees" so that they have the funding to carry out their projects. We only charge a small subscription fee to use our service. Grants to USA and territories teachers, researchers, students, and creators of digital learning platforms to develop and build technology that will support learning complex topics without utilizing human tutors. Applicants must submit a preliminary proposal prior to ap... We are a financially self-supporting affiliate of the New Jersey Department of Community Affairs, and have helped more than 115,000 New Jersey residents become homeowners since 1967.
This will be a government-insured loan backed by the FHA, VA, or USDA . It provides a summary of the City's needs and goals, and lists all of the specific projects that we recommend for funding. The AAP is open to public comment for at least one month. Any member of the public may submit feedback, which we use to revise the AAP. It is important for organizations to develop diverse sources of funding.
Agencies interested in applying for DCA grants must first register and obtain a user ID and password. If you are not currently registered to use SAGE, please click on the link below and follow the instructions on the bottom of the page to obtain a user ID and password. All the organizations we’ve listed above should provide advice freely to any first-time home buyer in the state of New Jersey.
Grants to New Jersey nonprofit organizations, CBOs, employers, trade and business groups, LEAs, vocational and high schools, IHEs, and government agencies for workforce development programs. Applicants are advised that required registrations... Grants to USA states, territories, nonprofit organizations, government agencies, tribes, and IHEs to employ volunteer staff to carry out a broad range of community services. Applicants must complete required registrations prior to submitting an application.
If you are a returning student and want to apply for renewal of state aid, you have to complete your application earlier. Don’t just look at advertised rates online; actually apply for preapproval and compare the interest rates and fees you’re offered. That’s the only way to know you’re getting the best deal possible on your new home loan. The NJHMFA can provide down payment and closing cost assistance of up to $10,000 through its DPA program.
Then make sure you get personalized rate quotes from at least three to five mortgage lenders. New Jersey police officers and firefighters who have at least a year of service may be eligible for a 30-year, fixed-rate loan of up to $647,200. Plus, there’s no first-time home buyer restriction. If you’re not sure which program to choose for your first mortgage loan, your lender can help you find the right match based on your personal finances and home buying goals.
We are proud to assist our residents in their homebuying journey; We are proud to be The Road Home New Jersey. The guide presents info from a number of reputable sources to provide you with the most reliable and accessible tools to enable you to make the right home purchase decision. This program applies to homes to be used as a primary residence in any New Jersey county. A .gov website belongs to an official government organization in the United States. HESAA has outlined what is needed, how to apply, and helpful FAFSA resources for you. Programs have different life cycles; to view the grants that are currently available clink on the link below.

For advice on how to craft a strong application, please review the Guidelines for Successful Proposals presentation from the Housing & Community Development Network of New Jersey . The best proposal will clearly explain why a project is needed, how the project will address that need, and how the organization is capable of carrying out the project. Be sure to closely read the Request for Proposal .