New Jersey HomeSeeker:

The New Jersey HomeSeeker Program provides $16,000 for first-time homebuyers and veterans to use as downpayment and/or closing cost assistance when purchasing a home in Atlantic, Camden, Essex, Gloucester, Passaic or Union County. The funds are provided as a 0% interest loan that is forgiven in five (5) years.

To participate in HomeSeeker, homebuyers must obtain first mortgage financing through the NJHMFA's Homeward Bound mortgage program. (see below)

To find out more about the program, check out the HomeSeeker program fact sheet, and FAQ

Homeward Bound Homebuyer Mortgage Program

Whether you are buying your first home or moving to another, the experience can seem overwhelming. The Homeward Bound Homebuyer Mortgage Program is here to help by providing a 30-year, government insured loan, at a fixed interest rate with no points. The program is open to first-time homebuyers, trade up and trade down borrowers.

The home must be the borrower’s primary residence or a two-to-four unit dwelling in which one unit will be the borrower’s primary residence and the remaining unit(s) may be rented.

For first-time homebuyers, Homeward Bound is the foundational mortgage program that can be combined withthe HomeSeeker or Smart Start programs, to provide either $16,000 OR up to 4% of your mortgage amount in interest-free, forgivable funding that can be used to cover downpayment and/or closing costs.

Further detail is available on our Homeward Bound Homebuyer Motrtgage Program (792k PDF) fact sheet, or by calling 1-800-NJ-HOUSE.

Not sure which program is right for you?

Visit to discover all of HMFA’s available mortgage programs.

To Learn More about NJHMFA or the HomeSeeker Program

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