Sandy Homebuyer Assistance Program
The Sandy Homebuyer Assistance Program will provide qualified low and moderate income borrowers with a forgivable, INTEREST-FREE loan of up to $50,000!

How do I know if I am eligible?

  • Purchase a home in any of the nine Sandy-impacted counties: Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean or Union
  • Have a minimum credit score of 620
  • *HUD income limits and other restrictions apply. See the Sandy Homebuyer Assistance Program/HUD Income Limits Chart below. Applicants’ household income must not exceed these limits.

Sandy Homebuyer Assistance Program/HUD Income Limits

Download more detailed program information

How do I apply?

  1. Complete the preliminary application form by clicking here.
  2. A contracted housing counseling agency will contact you directly to schedule an appointment.

Information courtesy of

New Jersey Housing and Mortgage Finance Agency
637 South Clinton Avenue
P.O. Box 18550
Trenton, NJ 08650