American Dream Downpayment Program | Middlesex County Division of Housing, Community Development, and Social Services

Applicants must:

• Be first-time homebuyers and existing Middlesex County residents for at least one year.
• Complete an in person, group homebuyer training course offered by a HUD approved housing counseling agency. Class must be completed prior to closing
• Undergo budget review and individualized counseling agencies
• Only purchase a single-famile property. Detached homes, townhouses, condos, and co-ops are eligible properties. Purchase price cannot exceed 4 times income level with a maximum of $304,000.
• Have a mortgage pre-approval issued within the past two months
• Purchase their housing in any Middlesex County municicpality except New Brunswick and Perth Amboy
• Have total household income within certain limits, refer to the site or contact for totals
• Purchase property that meets HUD's Housing Quality Standards
• Be putting down at least 1% of the purchase price from their own funds
• Have co-signers of the primary mortgage also be occupiers of the property

Completed application/registration forms, income tax return, proof of address, proof of household income, proof of income eligibility

Mon - Fri 8:30 am - 4:15 pm

Visit the website for information.

Applicants must supply at least 1% of the purchase price from their own funds towards their down payment. Applicants must also pay any associated fees for the homebuyer education.

Middlesex County, NJ