{"version":"1.0","type":"card","id":"a9d9d40b-206e-4d0f-afe0-9bacd18ffb8d","url":"https://stacklist.com/card/a9d9d40b-206e-4d0f-afe0-9bacd18ffb8d","title":"NJHMFA First-Time Homebuyer & Down Payment Assistance Programs","source_url":"https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/","note":"New Jersey's state housing agency page outlining down payment assistance and first mortgage programs specifically for first-time buyers in the state.","image":{"url":"https://ucarecdn.com/5f154bf0-9350-4771-aa66-5c9d52b9ae32/","alt":"NJHMFA First-Time Homebuyer & Down Payment Assistance Programs","width":800,"height":454},"stack":{"id":"e71e03e4-e9c2-4b03-97fb-e06a074e98f1","title":"First-Time Buying Near the Shore","url":"https://stacklist.com/c/home/stack/e71e03e4-e9c2-4b03-97fb-e06a074e98f1"},"created_at":"2026-08-05T08:11:36.692Z","updated_at":null,"aco":{"summary":"NJHMFA Down Payment Assistance Program provides up to $15,000 in interest-free, forgivable second loans to qualified first-time homebuyers in New Jersey for down payment and closing costs. The program requires pairing with an NJHMFA first mortgage loan and has restrictions on household income and purchase price limits.","tags":["first-time-homebuyer","down-payment-assistance","njhmfa","mortgage-loan","new-jersey","home-purchase","forgivable-loan"],"key_entities":[{"name":"NJHMFA","type":"organization","confidence":0.99},{"name":"New Jersey","type":"location","confidence":0.99},{"name":"Down Payment Assistance Program","type":"concept","confidence":0.95},{"name":"first-time homebuyer","type":"concept","confidence":0.95},{"name":"FHA/VA/USDA loans","type":"concept","confidence":0.9}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-08-05T08:11:44.926Z"},"token_counts":{"approximate":297,"cl100k":254},"content_hash":"sha256:fa0e74fb2e88e931ade86cc83cc68475cc86d81197209cc543db18ce3c7c3ebb","acp_version":"0.2","body_available":true,"body_tokens":297,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/a9d9d40b-206e-4d0f-afe0-9bacd18ffb8d.json","html":"https://stacklist.com/card/a9d9d40b-206e-4d0f-afe0-9bacd18ffb8d","md":"/api/public/card/a9d9d40b-206e-4d0f-afe0-9bacd18ffb8d.md","stack_json":"/api/public/stack/e71e03e4-e9c2-4b03-97fb-e06a074e98f1.json"}}