First-Time Home Buyer Programs in New Jersey
Buying your first home is exciting — and can feel overwhelming. Ai Remco LLC guides first-time buyers through every step, from special programs and down-payment assistance to available mortgage programs.
Low down payment
Down payment requirements differ by program, borrower eligibility and lender requirements.
Down payment assistance
State programs to help with upfront costs.
Education & guidance
Guidance through every step of the process.
First-time programs
Special programs exclusively for new buyers.
New Jersey first-time buyer programs
New Jersey offers several programs to help first-time buyers with down payment assistance, reduced rates, and other benefits — which must be obtained through participating lenders. Ask the program administrator about current eligibility and lender participation; availability through Ai Remco is not assured.
NJHMFA first-time homebuyer program
NJHMFA offers homebuyer and assistance programs through participating lenders. Current amounts, income limits, purchase-price limits and other eligibility requirements are set by NJHMFA. Describing a program does not mean Ai Remco can originate it.
Down payment assistance
NJHMFA assistance may include a subordinate loan with occupancy and forgiveness conditions. Review the current program documents and participating-lender requirements with NJHMFA before relying on assistance.
Who counts as a first-time buyer?
Generally, you qualify if you haven't owned a home in the past three years — so even prior owners may re-qualify.
Your home-buying journey
Steps to your first home
- Check your credit score and review your report
- Calculate your budget and what you can afford
- Get pre-qualified to know your buying power
- Find an agent and start house hunting
- Make an offer on your dream home
- Complete the application and underwriting
- Close on your new home — and get the keys
What you'll need
- 2 years of W-2s or tax returns
- Recent pay stubs (last 30 days)
- Bank statements (2–3 months)
- Valid photo ID
- Documentation of down-payment funds
- Gift letter (if receiving gift funds)
Questions, answered
New Jersey counties where borrowers use this program
Ai Remco LLC is a licensed New Jersey mortgage broker serving borrowers throughout the state. These county pages explain how this program fits local property types, price ranges and municipalities.
- Mortgage broker in Warren County, NJ
Warren County is a common entry point for first purchases in northwestern New Jersey.
- Mortgage broker in Somerset County, NJ
Somerville, Manville and Bound Brook are frequent first-purchase markets.
- Mortgage broker in Sussex County, NJ
Sussex remains one of northern New Jersey's more accessible entry markets.
- Mortgage broker in Essex County, NJ
Essex County is one of New Jersey's busiest first-purchase markets.
- Mortgage broker in Union County, NJ
Union County is one of the state's busiest first-purchase markets.
- Mortgage broker in Middlesex County, NJ
Middlesex is one of the state's busiest first-purchase markets.
- Mortgage broker in Monmouth County, NJ
Active first-purchase markets in Neptune, Long Branch, Keyport and Freehold Borough.
- Mortgage broker in Hudson County, NJ
A large share of Hudson County purchases are first purchases.
- Mortgage broker in Passaic County, NJ
The southern county is an active first-purchase market.
- Mortgage broker in Mercer County, NJ
Strong first-purchase activity throughout the county's mid-priced towns.
- Mortgage broker in Burlington County, NJ
Burlington County remains one of South Jersey's more accessible markets.
- Mortgage broker in Camden County, NJ
Camden County is one of South Jersey's most active first-purchase markets.
- Mortgage broker in Cumberland County, NJ
Cumberland County is one of the state's most accessible entry markets.
See the full New Jersey mortgage broker hub for all 21 counties.
Ready to buy your first home?
Get a no-obligation consultation and a pre-qualification estimate of what you may be able to borrow.
Ai Remco LLC, NMLS #2560393. Licensed mortgage broker. This page is for general information only and is not a commitment to lend. All loan applications are subject to credit approval, property appraisal, income and employment verification, and underwriting. Rates, terms, and availability are subject to change without notice and vary by borrower. Equal Housing Opportunity. See our Licensing & Disclosures page.