The HCEDC’s Housing Program is not available at this time. In the meantime, please utilize the below resources.


New Jersey Housing and Mortgage Finance Agency (NJHMFA)

NJHMFA is happy to offer step-by-step guidance and accessible tools to enable you to make the right home purchase decision. To get acquainted with the homebuying process, you can access The Road Home New Jersey: A Guide for the New Jersey Homebuyer, to help you navigate your way to affordable homeownership. The guide is also available in Spanish. https://nj.gov/dca/hmfa/roadhome/


Golden Neighborhoods Homeownership Program (GNHP)

This program provides down payment and closing costs assistance for eligible first-time homebuyers, alleviating a major financial impediment to buying a home. Learn more here.

Garden State Community Development Corporation (GSCDC)

GSCDC is a premier, affordable housing non-profit developer in Jersey City with over two decades of experience in building quality housing. The Division of Housing and Community Development is responsible for carrying out GSCDC’s mission of providing quality affordable housing opportunities to families that cannot comfortably afford to rent or buy in the private market.

Additional Resources

Below are additional programs that provide free assistance for individuals seeking affordable for-sale and rental housing in New Jersey.

Check with your local bank for first-time home buyer information and programs.