Up to $22,000 toward your down payment and closing costs.
For qualifying New Jersey buyers, through state and local programs we help you find and use — plus closing-cost savings where programs allow. Two minutes tells you which ones fit.
No credit pull · not an application · eligibility is decided by the program and lender
Trenton, Hamilton, Burlington and Camden — the places around the homes we list.
Pick one. We show you the money and the path.
Featured listings
COMING SOON460 Stuyvesant Avenue
$120,000
Three-bedroom Trenton home sold as-is, for a buyer planning renovation work.
- Estimated rent after renovation
- $1,800–$2,000 / mo
- Estimated ARV after renovation
- $239,000
Estimates after renovation, not guaranteed.
COMING SOON211 Passaic Street
$89,999
Four-bedroom Trenton row home sold as-is; a 3 bed / 2 bath conversion has been discussed (subject to approvals).
- Estimated rent after renovation
- $1,800–$2,000 / mo
- Estimated ARV after full renovation
- $220,000–$260,000
Estimates after renovation, not guaranteed.
217 Oliver Avenue
$325,000
Four bedrooms, two and a half baths, finished basement and a one-car garage.
The programs behind the money
What each one can do and who it may fit. The rules live with the program; the call is where we match them to you.
NJHMFA Down Payment Assistance
May fit: First-time buyers using an NJHMFA mortgage
Up to $15,000 (by county) toward down payment and closing costs, forgiven after five years if eligible.
Official source: NJHMFA →NJHMFA First-Generation Down Payment Assistance
May fit: First-generation buyers
An extra $7,000 on top of NJHMFA assistance — up to $22,000 combined, if eligible.
Official source: NJHMFA →NJHMFA First-Time Homebuyer Mortgage
May fit: First-time buyers (and some Urban Target Area addresses)
A state-backed 30-year fixed mortgage that pairs with NJHMFA assistance.
Official source: NJHMFA →Trenton First-Time Homebuyer Program
May fit: First-time buyers purchasing in Trenton
Up to $15,000 toward an eligible Trenton purchase, subject to funding.
Official source: City of Trenton →Burlington County First-Time Homebuyer Program
May fit: First-time buyers in participating Burlington County towns
Up to $25,000 — down payment plus closing costs or a rate buydown, if eligible.
Official source: Burlington County Community Development →Camden County First-Time Home Buyer Program
May fit: First-time buyers in participating Camden County areas
Up to $25,000 in down-payment and closing-cost help, if eligible.
Official source: Camden County Community Development →38 years of New Jersey real estate
NJ Capital Realty is the team Jerome Beckworth built to do at scale what he has done for buyers, sellers and investors since the 1980s: understand the property, run the real numbers, and get people across the finish line.
What clients have said
★★★★★ 5.0 across 5 verified Realtor.com reviews
“Extremely professional, always available and knowledgeable. I recommend him for the Columbus and Mansfield area.”
Robert — Hamilton, NJ
Verified Realtor.com review
“A consummate professional with vast knowledge and expertise, attention to detail and real dedication.”
Michele Gaymon — Burlington, NJ
Verified Realtor.com review
Keys, Knowledge & Sips — grand opening, second location
A homebuyer experience + grand opening celebration · Burlington
Sip. Learn. Ask. Plan. Unlock what’s next.
Thinking about buying a home but don’t know where to start? Come have a drink, meet the team and leave understanding exactly what your next step should be. Date to be announced.