Up to $22,000 Toward Your First NJ Home
Eligible first-time homebuyers in New Jersey may qualify for up to $22,000 in down payment assistance grant funds — with no repayment required. First Alliance is New Jersey's #1 wholesale lender for the NJ DPA program. Answer a few quick questions to see if you qualify.
How the Program Works
What NJ Down Payment Assistance Can Do for You
The NJ DPA program is designed to help first-time buyers across New Jersey get into a home sooner. Here is what makes it worth a closer look.
Up to $22,000 in Grant Funds
Qualified first-time homebuyers in New Jersey may receive up to $22,000 in down payment assistance. The exact amount depends on your eligibility and the program guidelines that apply to your situation.
No Repayment Required
These are grant funds, not a second loan you have to pay back. When you meet the program's eligibility and residency requirements, the assistance does not need to be repaid.
Built for First-Time Buyers
The program is geared toward New Jersey residents purchasing their first home. If saving for a down payment has been the thing holding you back, this assistance is designed to close that gap.
New Jersey Focused
First Alliance is a New Jersey-based lender and the #1 wholesale lender for the NJ DPA program. We know the program, the local market, and how to guide you through it step by step.
Simple Eligibility Check
Finding out where you stand takes about a minute. Answer a couple of quick questions and a specialist will follow up to walk you through your options — with no obligation.
A Team That Closes
With 22 years in business and more than $10 billion in home loans closed, our team has helped thousands of New Jersey families move from renting to owning.
The First Alliance Difference
Why New Jersey Buyers Choose First Alliance
We have spent 22 years helping New Jersey families become homeowners — and the NJ DPA program is one more way we help first-time buyers get there.
#1 NJ Wholesale Lender for NJ DPA
First Alliance is New Jersey's #1 wholesale lender for the NJ down payment assistance program. We know the program inside and out and help first-time buyers put it to work.
22 Years in Business
We have spent more than two decades helping New Jersey families navigate the path to homeownership — through every kind of market.
$10 Billion+ in Loans Closed
Thousands of families have trusted First Alliance with one of the biggest financial decisions of their lives, adding up to more than $10 billion in home loans closed.
A Local Team That Guides You
From your first question to closing day, you work with a New Jersey-based team that walks you through the program and your options, step by step.
Simple, Start to Finish
How to See If You Qualify
A clear, four-step path from your first question to your first home.
Answer a Few Quick Questions
Fill out the short form on this page — name, contact info, and two quick eligibility questions. It takes about a minute and there is no obligation.
Talk With a NJ Specialist
A local First Alliance specialist reviews your information and reaches out to walk you through whether you may qualify for NJ down payment assistance.
Review Your Options
We explain how the grant funds could work for your situation and answer your questions about buying your first home in New Jersey.
Move Toward Your First Home
If the program is a fit, we help you take the next steps toward homeownership — with a team that has closed more than $10 billion in loans behind you.
What Customers Say
Rated 4.91★ Across 6,700+ Reviews
“Patrick and his team, including Cindy, were absolutely amazing and answered all questions very promptly and professionally. I would highly recommend them to anyone else going forward, and will use them again if needed.”
Norris J.
Philadelphia, PA · Verified customer review
“Working with Noah was a great experience. He was professional, responsive, and kept the process moving smoothly from start to finish. Most importantly, he got my loan closed in just 28 days! I highly recommend Noah and his team.”
Nicholas I.
Wall Township, NJ · Verified customer review
“Chance was always on point with all information, guided me, and made sure he found the right loan program to meet my needs. Very pleased with the service. Thanks!”
Joanna N.
Hartford, CT · Verified customer review
Questions, Answered
NJ Down Payment Assistance FAQ
The questions New Jersey first-time buyers ask most.
It is a program designed to help eligible first-time homebuyers in New Jersey cover the up-front cost of buying a home. Qualified buyers may receive up to $22,000 in grant funds to put toward a down payment. The exact amount and eligibility depend on the program guidelines that apply to your situation.
No. The assistance is provided as grant funds, not a second loan. As long as you meet the program's eligibility and residency requirements, the funds do not need to be repaid. A First Alliance specialist can walk you through the specific terms that apply to you.
The program is geared toward first-time homebuyers in New Jersey who meet certain eligibility requirements, which can include things like employment history and residency. The fastest way to find out where you stand is to complete the quick form on this page so a specialist can review your situation.
Eligible buyers may qualify for up to $22,000 in down payment assistance. The amount you may receive depends on your eligibility and the program guidelines. There is no guaranteed amount — a specialist will review your details and explain what may be available to you.
First Alliance is a New Jersey-based lender and the #1 wholesale lender for the NJ DPA program. With 22 years in business, more than $10 billion in home loans closed, and a 4.91-star rating from over 6,700 reviews, our local team has helped thousands of families become homeowners.
Answer the two quick eligibility questions on the form on this page and share your contact information. A local First Alliance specialist will reach out to review your options for NJ down payment assistance — with no obligation.
New Jersey Down Payment Assistance
See If You Qualify for Up to $22,000
Find out in about a minute whether you may be eligible for New Jersey down payment assistance. A local First Alliance specialist will reach out to review your options — no obligation.