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Down Payment Programs for First Time Home Buyers in Middlesex County, New Jersey

The Smart Start Program and the American Dream Downpayment Program are two local down payment programs that can help first time home buyers not only with their down payments but also with their closing costs.

American Dream Downpayment Program

The American Dream Down Payment Program is sponsored by the Middlesex County Department of Housing and award a minimum of $7,500.00 to qualifying first time home buyers for their down payment and closing cost. The property purchased can be a home, townhouse or condo and can be located anywhere in Middlesex County except in New-Brunswick and Perth Amboy municipalities. There are income and home purchase limits. There is no repayment needed if buyers stay in their homes for 6 years.

More on the American Dream Downpayment Program 

 Down Payment Programs are Available...

Smart Start Program

The Smart Start Program is available to participants in the Agency’s first mortgage home buyer’s program. Homes purchased must be located in Smart Growth areas. This program helps buyers with a second mortgage for down payment and closing costs in the amount of up to 4% of the first mortgage. There are some income and home purchase limits. This loan is made at 0% interest and does not need to be repaid if buyers stay in their homes for 5 years.

More on the Smart Start Program and Smart Growth areas.


American Dream Downpayment Program for Middlesex County First Time Home Buyers