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Local Housing Assistance Programs

Housing assistance programs are closely tied to funding dollars that are often in a state of flux. Programs are active until the funding source for these programs is lost or consumed. When funding is lost, programs may close until new funding becomes available. Professionals working with people in need understand how desperate the need for housing is, but their efforts to help are limited by the reality of finite resources. As new resources become available this page will be updated. If you know of a local housing program that has not been included please send information about the resource to so that we may share it with our web visitors and those who call 2-1-1 looking for help.

CLARIFI First-Time Homeowner Program for Atlantic, Camden and Gloucester Residents

New Jersey Housing Mortgage Finance Agency (NJHMFA) offers a HomeSeeker Program, which gives eligible first-time homeowners $16,000 toward a home purchase.

Some of the requirements include:

  • Purchases must be made in Atlantic, Gloucester, or Camden Counties. 
  • The $16,000 is 100% forgiven if the owner stays in their home for 5 years. 
  • The mortgage must be obtained through NJHMFA's Homeward Bound Program and use their approved lenders.
  • The maximum household income is $122,780.
  • Maximum Home Price: $437,349 (if 2-4 unit,, $559,854).
  • Veterans do not need to be first-time homeowners to qualify for funds. 

CLARIFI offers the HUD and NJHMFA-approved housing counseling required for HomeSeeker. 

Appointments with CLARIFI can be scheduled online or by calling 800-989-2227. 

Hudson County

Jersey City Affordable Housing Navigator

Jersey City offers data maps on the city’s website. One of the maps offered is called an Affordable Housing Navigator. Visitors to the Navigator will find a map of the city with markings that identify affordable housing units that are both completed and under construction. The site also offers a table that reflects a household Area Median Income (AMI) percentage requirement so that visitors can learn what the qualifying income level is for the housing units shown. This is one of many data maps available.

Morris County

Habitat for Humanity

Morris County Habitat for Humanity works with qualified applicants who are interested in being considered for a program that enables applicants to own affordable homes built in partnership with this organization. Interested applicants can find out more information about this opportunity by visiting their website.  

Somerset County

The Somerset County Homelessness Trust Fund Rental Assistance Program will provide up to 15 months of rental assistance and case management that is intended to help clients become aware of and access resources to help increase their chances of maintaining permanent housing within Somerset County. 

Local Affordable Housing Listings through NJHRC

For the most up-to-date information on available and affordable housing in your community, use the NJ Housing Resource Center, an online service that provides information on current listings in towns throughout the state. If you do not have regular access to a computer, or if you are having trouble navigating the NJHRC site, dial 2-1-1 and our resource specialists will help you find appropriate resources.

Search the NJ 2-1-1 Website

Search the NJ 2-1-1 database at the top of this page for other local alternatives using the terms that best describe your need.

Here are some suggestions:

  • Housing, I&R
  • Housing, Low Income
  • Housing, Financial Assistance
  • Housing, Section 8/Voucher
  • Housing Location Assistance
  • Housing, Seniors
  • Housing, Shared
  • Housing, Transitional
  • Housing Payment Assistance
  • Transitional Housing

Remember to geographically limit your search to find the most appropriate resources in your local area.