New Jersey Housing & Mortgage Finance Agency
NJ HomeFirst Down Payment Assistance is available to homeowners in Summit, NJ.
Down payment and closing cost assistance for first-time homebuyers in New Jersey. Up to $10,000 forgivable loan, forgiven after 5 years of occupancy. Must be combined with NJHMFA first mortgage. Income limits vary by county; Union County limit is approximately $146,520.
Maximum forgivable down payment assistance loan
Official program page checked live on 2026-06-22.
Data last verified 2026-06-09. How we verify our data.
In Summit, NJ, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Summit, NJ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
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, subject to funding availability
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $10,000 forgivable loan.
NJ HomeFirst Down Payment Assistance is open to homeowners in Summit, NJ.
Apply directly with New Jersey Housing & Mortgage Finance Agency using the official program link on this page or call (609) 278-7400. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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