Grant Program

The NJHMFA state-wide Down Payment Assistance Program (DPA) provides $10,000-$15,000 for qualified first-time homebuyers to use as down payment and closing cost assistance when purchasing a home in New Jersey. The DPA is an interest-free, five-year forgivable second loan with no monthly payment.



Find a Loan Officer   Find a Branch

FTHB $10K Grant


  • Primary residence in any New Jersey county
  • First-time homebuyer (have not owned a home within the past 3 years)
  • Maximum household income and purchase price limits apply
  • FICO score of 620 or greater
  • Meet debt-to-income ratio requirements

The njhmfa dpa program can be used for:

  • Primary residences only (must be occupied within 60 days of closing)
  • Single-Family Home
  • Condominium
  • Townhome
  • Manufactured or Mobile Home
  • 2-4 Family Unit (one unit must be occupied by borrower as primary residence)

$15,000 available in: Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, and Union.

$10,000 available in all other counties.


What Our Customers Are Saying


What Our Customers Are Saying


Everyone we came across at the company made our process a lot less stressful. They answered all our questions and made sure we handed everything that needed to be handed in on time. Thanks!

Paul K. / Homebuyer, NJ

We highly recommend Family First as they are an amazing team, efficient, honest and always available! Not only would I recommend Family First to my clients, I do use them for our family's mortgage needs!

Lisa C. / Real Estate Agent, FL

Great service, very professional. Highly recommended!

Christofer V. / Homebuyer, TX

Expertise, open communication at all times, and complete confidence knowing that my Buyer was wonderfully serviced and their loan would close!

Laure M. / Real Estate Agent, NJ

It was a smooth process from start to finish and I appreciate the time each of them took to answer any questions I may have had with respect to the process, the paperwork, etc. They were all incredibly kind, helpful, and responsive no matter how small the question may have been, and as a first time homebuyer I am very grateful for that.

Jessica S. / Homebuyer, NJ
Our resources

In the news Today

Find a Product