American Dream Downpayment Program


Middlesex County Division of Housing, Community Development, and Social Services


The American Dream Downpayment Program awards $5,000 in assistance towards down payments and closing costs to eligible first-time homebuyers in Middlesex County. Interested applicants must attend a homebuyer class and undergo an individualized budget review/counseling process prior to closing on the house. The assistance will be in the form of a deferred repayment mortgage, which doesn’t require payment of principal or interest by the homebuyers provided they own and live in the property for five years.


  • First-time homebuyers
  • Existing residents of Middlesex County for at least one year
  • Must have mortgage pre-approval issued within the last 2 months
  • Must meet household income eligibility limits
  • Able to put down at least 1% of purchase price from own funds
  • Any co-signers must be planning to reside in the home

Additional Requirements

  • Single-family property (including detached home, townhome, condo, and co-op)
  • Purchase price cannot exceed 4 times the household income, up to a maximum of $304,000
  • Can be in any Middlesex County municipality EXCEPT Perth Amboy or New Brunswick
  • Must be certified free of lead based paint hazards if built before 1978

Inquiry Instructions