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FHA SmartStart Program

First Time Buyers get money for downpayment and closing costs!

Through NJ’s Housing and Mortgage Finance Agency, Greenway is able to offer first time homebuyers in Smart Growth areas within NJ an FHA mortgage with a grant of up to 4% of the purchase price that can be used towards the down payment and closing costs.

Program Details

The Fine Print

  • 3yrs tax returns, NJ and Fed

  • 3mo bank statements

  • Must close within 60 days of submission

  • 50% max DTI

  • Cannot have sufficient funds to cover 20% down payment

  • Forgivable 2nd lien expires after 5 years as primary residence