Smart Start
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Smart Start

Accumulating the funds for downpayment and closing costs is a common barrier to potential homeowners.

The Smart Start Program is available to participants in NJHMFA's Homeward Bound Program who are purchasing homes in Smart Growth Areas.

The program offers zero-interest downpayment and/or closing cost assistance for up to 4% of the first mortgage amount, with loan forgiveness for buyers who remain in their home for five years.

Want to get your homeownership journey off to a Smart Start? Contact one of NJHMFA's Participating Lenders and ask about how you can take advantage of this great program.
Get more information on our Smart Start Fact Sheet (351k PDF) or call 1-800-NJ-HOUSE.

Lenders: Offer Smart Start To Your Clients

Only HMFA's Participating Lenders can offer our mortgage products.

Get on our lender list by applying today at