{"status":200,"message":"Success","data":{"id":"86a0ca12-bc22-5108-a14e-f1331317da7f","title":"NJHMFA Down Payment Assistance Program (DPA)","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"b5cc72b6-b0d0-46e9-8ae5-99464214c65c"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"nj:hmfa-down-payment-assistance-program"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"Varies — check official page"},"description":"NJHMFA's statewide Down Payment Assistance Program gives qualified first-time homebuyers up to $15,000, depending on the county of the home, toward down payment and closing costs. The assistance is an interest-free, five-year forgivable second loan with no monthly payment, and must be paired with an NJHMFA first mortgage (a 30-year fixed-rate FHA, VA or USDA loan) from a participating lender.","funding":{"details":"Up to $15,000, based on county","maxAwardAmount":{"amount":"15000.00","currency":"USD"}},"funders":{"primary":{"id":"d167d19d-fbbd-5c74-9679-80b8ba589157","name":"New Jersey Housing and Mortgage Finance Agency","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"0dfab412-5029-4bf7-ab2b-750ba47ea5dd","allIds":[{"id":"0dfab412-5029-4bf7-ab2b-750ba47ea5dd","status":"active"}]},"org:us:nj:agency":{"registry":{"code":"org:us:nj:agency","url":"https://opengrants.io/common-grants/registries/org-us-nj-agency.json"},"id":"NJHMFA"}}}}},"keyDates":{"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Ongoing through NJHMFA participating lenders; no application window published"}}},"acceptedApplicantTypes":[{"value":"individual","description":"Individual"}],"source":"https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/","customFields":{"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"phone":"1-800-NJHOUSE"},"description":"Program contact","schema":"https://commongrants.org/custom-fields/contactInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"First-time homebuyers purchasing a primary residence in any New Jersey county who meet NJHMFA household income and purchase price limits (higher limits in Urban Target Areas) and take an NJHMFA first mortgage. Qualified first-time homebuyers (no home owned in the previous three years) buying a primary residence in New Jersey."},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://www.nj.gov/dca/hmfa/","description":"New Jersey Housing and Mortgage Finance Agency grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"loan","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-11-09T06:04:28Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"NJ","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"hmfa","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"NJHMFA","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://www.nj.gov/dca/hmfa/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Housing, Community and Economic Development"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Individual"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypesNotes":{"name":"applicantTypesNotes","fieldType":"string","value":"Qualified first-time homebuyers (no home owned in the previous three years) buying a primary residence in New Jersey.","description":"Notes on who may apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"Forgivable down payment and closing cost assistance for first-time homebuyers.","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Up to $15,000, based on county","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"Through a participating lender: apply with an NJHMFA participating lender (use NJHMFA's request form to be paired with up to three lenders) or call 1-800-NJHOUSE.","description":"How to apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cycle":{"name":"cycle","fieldType":"string","value":"Ongoing through NJHMFA participating lenders; no application window published","description":"Application cycle pattern","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"nextDeadlineDisplay":{"name":"nextDeadlineDisplay","fieldType":"string","value":"Varies — check official page","description":"What the portal shows as the next deadline","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"deadlineSource":{"name":"deadlineSource","fieldType":"string","value":"record-live","description":"editorial, record or cycle","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stringsAttached":{"name":"stringsAttached","fieldType":"string","value":"Must be paired with an NJHMFA first mortgage; income and purchase price limits apply; the second loan is forgiven only after five years, so selling or refinancing sooner can trigger repayment.","description":"The catch: match, reporting, restrictions","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTip":{"name":"applicantTip","fieldType":"string","value":"First-generation buyers can stack the separate $7,000 First Generation DPA on top of this award.","description":"A non-obvious, actionable tip","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programSlug":{"name":"programSlug","fieldType":"string","value":"hmfa-down-payment-assistance-program","description":"Stable program slug within the portal","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programUrl":{"name":"programUrl","fieldType":"string","value":"https://opengrants.io/grants-in-new-jersey/#p-hmfa-down-payment-assistance-program","description":"Program card on the portal page","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"opengrantsListingUrl":{"name":"opengrantsListingUrl","fieldType":"string","value":"https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/","description":"Listing URL on the bound OpenGrants record","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"record","description":"record, upstream, pending-import or none","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"verifiedOn":{"name":"verifiedOn","fieldType":"string","value":"2026-11-04","description":"Date the official page was last checked","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cardStatus":{"name":"cardStatus","fieldType":"string","value":"published","description":"published, needs_review or retired","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-11-05T07:33:24.564469+00:00","lastModifiedAt":"2026-11-09T12:38:48Z","competitions":[],"awards":[]}}