NEW JERSEY / NJHMFA
Up to $15,000
Ocean County is in the state program’s $15,000 base-assistance tier. Qualifying financing and program requirements apply.
Read the state program terms ↗YOUR FIRST HOME / A CLEAR START
What would it take
to get the keys?
Buying starts with knowing what you can comfortably carry. Explore the cash you may need, then bring your questions to Alexia and a participating lender.
POTENTIAL HELP / VERIFIED SOURCES
Assistance is a conversation,
not a promised award.
ELIGIBLE FIRST-GENERATION BUYERS
Potential extra $7,000
Eligible first-generation buyers may receive an additional $7,000 through NJHMFA. The state’s loans have principal-residence and forgiveness or repayment conditions.
Read NJHMFA’s fact sheet ↗SEPARATE COUNTY PROGRAM
Advertised $25,000
Ocean County advertises a separate homebuyer program, subject to available funding and eligibility. Confirm current limits with the administrator; published materials differ.
Check the county program ↗Sources checked September 14, 2026. Amounts and terms may change. County and state assistance are not added together in this planner. Contact O.C.E.A.N., Inc., the county program administrator.
LOOK BEYOND THE PAYMENT
The home has a monthly budget, too.
Financing
Ask a lender about principal and interest, mortgage insurance, required reserves, the loan estimate, and any assistance repayment triggers.
Property costs
Confirm the municipal tax bill, homeowners and flood insurance, association fees and special assessments. Mainland homes still need flood checks.
Life in the home
Allow for utilities, maintenance, repairs and the cost of moving. Decide how much cash you want left after closing.
A PERSONAL NEXT STEP
Ask Alexia about getting started.
Request an email conversation about buying your primary home in Ocean County. This does not sign you up for ongoing marketing.