Address Yourself ™

Please read the following instructions for how to successfully apply for and receive down payment assistance (DPA).

1. Enroll in the Address Yourself Homeownership Program by visiting addressyourself.org and completing the online enrollment form.
2. Once your enrollment has been processed, a member of the Address Yourself team will connect you with a HUD-approved counselor for your one-on-one housing counseling session.
3. If you have been preapproved by one of our approved lenders and are under contract to purchase a home that you will occupy as your primary residence, successfully complete the online Eligibility Quiz following the enrollment form and upload your fully executed contract and mortgage preapproval letter from one of our approved lenders to apply for down payment assistance.
4. If you are already enrolled in the Address Yourself Homeownership Program and are under contract and preapproved with one of our approved lenders, please use the following link to begin the DPA application process: https://njcc.tfaforms.net/wfDeGpk.
5. If you are determined to be eligible to apply for down payment assistance, you will receive an email with information about next steps and a link to the down payment assistance application page. If you do not see the email in your inbox, please check your junk and/or spam folder. If you are applying for the NJCC Statewide Down Payment Assistance Program, note that we accept a limited number of applications each week for this program. If there is not an application available when you visit the application page, you may use the same link to check for application availability at another time.
6. Complete and submit the online down payment assistance application form and upload the required supporting personal documents using our secure system. All supporting documents must be uploaded at the time of application to successfully submit your request for down payment assistance. Down payment assistance funds will not be reserved for your closing until your application is fully submitted and approved.
7. The following is a list of the required supporting documents:
   1. A copy of the fully executed contract for the property you intend to purchase.
   2. A copy of your mortgage pre-approval letter from an approved lender.
   3. Paystubs for the most recent consecutive 4 weeks and/or proof of non-employment income.
   4. Complete Federal tax return including all schedules from last year.
   5. W2 from last year.
   6. If self-employed, a quarterly profit and loss statement for the business.
   7. Statements for the most recent consecutive 2 months for all bank accounts (savings, checking, money market, etc.), retirement accounts (401k, pension funds, etc.), and other funds on deposit (securities, mutual funds, annuities, etc.).
   8. Notification of any gifts and/or other down payment assistance grants to be contributed to the purchase transaction.
   9. Additional documents may be requested prior to issuance of a DPA commitment letter and/or grant closing.
8. To ensure that your application is submitted successfully, please be sure to:
   1. Upload the required documents in each of the appropriate sections provided or check the checkbox if the document is not applicable.
   2. Click the link in the verification email that you will receive to complete your signature.
9. A member of the Address Yourself team will contact you after your application and submitted documents have been reviewed.
10. If your application is approved, a commitment letter for down payment assistance will be issued for you to sign as verification that you accept the terms of the down payment assistance program.
11. Be sure to provide NJCC with the following as applicable prior to closing:
    1. Certificate of completion within one year of an approved prepurchase housing counseling/education program by an NJCC- and HUD-approved counseling organization.
    2. If purchasing a multi-family property, certificate of completion within one year of an approved landlord education course by an NJCC- and HUD-approved counseling organization.
12. Following DPA approval, your first mortgage lender will be required to submit specific documents to NJCC at least 3 days prior to closing.
13. Down payment assistance funds will be wired to your settlement agent at closing.

Click here for a downloadable version of these instructions.

Click here for a list of our approved lenders.

New Jersey Community Capital offers down payment assistance ranging from $5,000 to $30,000. Refer to the Address Yourself Programs section on the previous page for details.

As a nonprofit organization, New Jersey Community Capital does not have an unlimited capacity for providing down payment assistance (DPA), therefore down payment assistance funds cannot be held in reserve for prospective homebuyers that are not already under contract to purchase a home. Our approved mortgage lenders are familiar with our DPA qualification guidelines and can let you know if you are likely to be eligible.

An error message will pop up when attempting to complete the Address Yourself enrollment form if you have previously enrolled in the program. Please email us at addressyourself@newjerseycommunitycapital.org to confirm that this is the reason why you are receiving the error message and/or for other assistance.

We offer down payment assistance to eligible homebuyers purchasing a 1-4 family residential property that will be occupied as their primary residence.

The income limit for most of the DPA programs we offer is 100% of HUD’s area median income (AMI) by county adjusted for household size. Click here for a link to the HUD AMI chart.