Program Stacking: How South Jersey Buyers Can Access Up to $52,000

Many New Jersey buyers mistakenly believe they need $20,000 in personal savings just to get a foot in the door. In reality, South Jersey offers some of the most lucrative down payment assistance programs in the country—if you know how to stack them.

At Bond Street Mortgage, we help eligible buyers combine state and county programs to achieve massive purchasing power.

The Power of Stacking in South Jersey

When you layer state programs with localized county grants, the numbers add up rapidly.

NJHMFA DPA: Buyers in Gloucester, Camden, Burlington, Salem, and Cumberland counties start with $10,000.

Smart Start Plus: First-generation buyers can add $7,000 to that total.

County-Level DPA: Both Gloucester and Camden counties run highly generous local programs. Gloucester County offers up to $25,000 as a 0% deferred loan that is forgiven 20% each year over five years. Camden County also offers up to $25,000 that is forgiven after 5 to 10 years depending on the loan size.

NJCC Statewide DPA: The New Jersey Community Capital nonprofit program can provide up to $30,000 for income-qualified buyers.

When strategically combined (subject to CLTV limits and funding availability), an eligible first-generation buyer in Gloucester or Camden County could potentially secure over $52,000 in total assistance.