NJHMFA First-Time Homebuyer Mortgage Program

NJ Housing and Mortgage Finance Agency

Available Home Repair

About This Program

NJHMFA First-Time Homebuyer Mortgage Program is available in Newark, NJ.

Competitive 30-year fixed-rate government-insured mortgage for qualified NJ first-time homebuyers. Originated through NJHMFA participating lenders. Can be combined with down payment assistance programs for maximum benefit.

Below-market rate 30-year fixed mortgage through participating lender

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

Data last verified 2026-04-03. How we verify our data.

In Newark, NJ, you can combine this program with other local help to cut your cost:

Key Details

  • Competitive 30-year fixed-rate mortgage
  • Government-insured (FHA/VA/USDA)
  • Must be first-time homebuyer in NJ
  • Originated through participating lenders
  • Can combine with DPA programs below

How to Apply

Get free help applying Visit Official Program Page Track this program

800-829-1040

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Newark early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

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).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • 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: Ongoing

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 do I apply for NJHMFA First-Time Homebuyer Mortgage Program in Newark, NJ?

Apply directly with NJ Housing and Mortgage Finance Agency using the official program link on this page or call 800-829-1040. 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 Newark, NJ contractors

Find More Programs in Newark, NJ

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

See All Programs