verifiedOfficial NJHMFA Program
Mortgage magic.
Get up to $22,000 in down payment assistance to buy your first home in New Jersey.
lockNo impact credit check.
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Grant Secured
Bergen County
$22,000
Applied to down payment instantly
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Smart Start
Assistance.
The NJHMFA Smart Start Program is a game-changer for first-time buyers. We simplify the complexity of government grants into one seamless digital application.
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Forgivable over 5 years
The grant is forgiven at a rate of 20% each year you live in the home.
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0% Interest Rate
No monthly payments or interest charged on the grant amount.
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Combine with Bonus
First-generation buyers get an extra $7,000 automatically added.
| County Group | Total Amount |
|---|---|
| High Cost Areas BergenHudsonMercerMiddlesexMorrisPassaicUnion | $22,000 Fully Forgivable |
| Standard Areas AtlanticCamdenCape MayGloucesterSalemSussex | $17,000 Fully Forgivable |
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Even on Weekends.
Text, call, or email your loan advisor 7 days a week. We operate on your timeline, not bankers hours.
Refinance for Free.
Buy now and refinance later with zero lending fees. We call it the Lower for Life promise.
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Ready to start your
home journey?
boltTakes less than 3 minutes. No credit impact.