New Jersey HOME First-Time Homebuyer Program

NJ Department of Community Affairs / HUD HOME Funds

Waitlist Down Payment

About This Program

New Jersey HOME First-Time Homebuyer Program is available in Lodi, NJ.

HUD HOME funds provide down payment and closing cost assistance to first-time homebuyers purchasing in Lodi and other eligible NJ municipalities. Typically offered as a deferred loan forgiven after a compliance period. Availability varies by municipality.

Loan forgiven after occupancy period; may be repayable if you sell or refinance early

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

This is a national program. In Lodi, NJ, you can stack it with local programs like these:

Key Details

  • Down payment and closing cost assistance up to $20,000
  • Must be first-time homebuyer
  • Income at or below 80% AMI required
  • Purchasing home in Lodi or eligible NJ area
  • Check local administrator for availability

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 633-6220

A grant-savvy contractor in Lodi, NJ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Contact local administrator for current status

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can New Jersey HOME First-Time Homebuyer Program provide in Lodi, NJ?

Up to $20,000 down payment assistance.

How do I apply for New Jersey HOME First-Time Homebuyer Program in Lodi, NJ?

Apply directly with NJ Department of Community Affairs / HUD HOME Funds using the official program link on this page or call (609) 633-6220. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Lodi, NJ contractors

Find More Programs in Lodi, NJ

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs