No Money Down Homes

Sometimes it’s hard to save up a down payment to buy a home. However, some homes can be bought with no money down in New Jersey. In fact, in can be less expensive to buy a home than renting. If you rent a home for $2000/month, you’d probably need to come up with $5,000 just to cover your first months rent and security deposit – but for no money down, you can own a home and maybe even with lower monthly payments than renting!

Below are several homes that qualify for purchasing with no money down. These homes are in Plainsboro, East Windsor, Hopewell, and Robbinsville, in Mercer and Middlesex County NJ. We have others in other towns throughout Central New Jersey also, so if you don’t see something here that you like, just ask!

Of course, as with any good thing, there are restrictions. You need to qualify for a mortgage first, including acceptable credit and verifiable income. There are income minimums and maximum limits as well, but don’t worry, they are fairly generous limits. Feel free to contact me through the contact form below with your questions. If you’d like to get pre-approved to purchase a home with no money down, I’ll be glad to help you with that — the process is quick, simple, painless and free!

UPDATE: I’ve been getting many calls from people thinking this is some “rent to own” program. This doesn’t have anything to do with “rent to own.’ There really isn’t any such thing as “rent to own” in real estate. It’s not like you will be paying rent for a couple of years then someone hands you the deed. The closest thing to this in real estate is simply “renting with the option to buy” and sometimes the landlord may apply a small portion of the rent you paid to your down payment. But you will still need to apply for a mortgage and buy the home on your own eventually.

Robbinsville — 182,900

2 bedrooms/1 bath
Vaulted ceilings

Comments:  Totally updated 2 Bedroom Condo in Andover Glen. This home has been well maintained and is in move in condition. It is located right in the front section so it has easy access in and out of the community. Kitchen was just totally updated and Furnace and Central Air Conditioning are less than 1 year old. This is an upstairs unit and has a wood burning fireplace in the living room, nice dining room area with sliders to balcony and outside storage unit. There is a large master bedroom with walk in closet and separate door to Bath.   Rts 130 & 206, I-195 and 295, NJ Turnpike exit 7A.


East Windsor — 185,000

2 bedrooms/1.5 baths
end unit
wood/laminate floors
vacant and ready to move in

Comments: Warm & Inviting 2 bedroom End-Unit Townhome in Desirable Georgetown Community. This beautiful townhome features a large Living Room with Fireplace and sliding doors opening to a private deck; Formal Dining Room; and Bright Eat-in Kitchen with all appliances and newer floor. The second floor offers Master Bedroom with walk-in closet; Second Bedroom with large closet; and full bath. Relax on the beautiful tree shaded deck on weekends with friends. Other features wood laminate floors in the living room, dining room, stairs and throughout the second floor. Plus, newer paint throughout. The Georgetown community offers both in-ground pool and tennis courts. Close to Princeton Jct and Hamilton Train Stations, Exit 8A Park’n Ride, Major Highways, and Shopping.


Robbinsville — $224,500

2 bedrooms/1.5 baths
Freshly painted
Granite Countertops
New Carpet

Comments:  Freshly painted townhouse with upgrades too numerous to mention. Within the last 13 years, kitchen cabinets have been replaced and new granite counter top added with newer appliances, new sink and fixtures. Flooring on first level replaced. Recent carpet in living & dining rooms. All windows replaced as well as the sliding glass door (Anderson) leading to an inviting patio with remote controlled retractable awning to relax under, newer vinyl fencing, and landscaped garden. Flooring on 2nd level has been updated, as well as the roof, exterior aluminum flashing, and fireplace mantle.


Robbinsville — $244,900

3 bedrooms/ 2 baths
Ranch style townhouse
end unit

Comments: Desirable Sharon Mews end unit Ranch. Great curb appeal with brick front and a relaxing front porch. 5 yr old furnace and a/c unit. Brick fireplace in living room. Master suite includes walk-in closet and full bath. Open floor plan with many upgrades. Great location and no steps!





Plainsboro — The Hampshire — $254,900

2 bedrooms/1.5 baths
Updated kitchen
Golf course view in the backyard
Third floor loft can be an office or den

Comments:  Beautiful Townhouse with lots of upgrades and a view of Princeton Meadows Golf Course from the back yard! Featuring a brick fireplace, Pergo flooring on the first floor, Fully renovated Kitchen with Cherry Cabinets, newer stainless steel appliances including the stove and dishwasher. Remodeled Master and Hall Baths with new vanities, new ceramic tile flooring, new lighting and new glass shower doors. Third floor Loft with skylight, Living Room with recessed lighting and ceiling fan. Newer hot water heater, newer A/C, newer carpeting on the second and third floors, newer roof, newer rear fenced Brick Paver Patio and more! Close to Major Roads, Public Transportation and Shopping. West Windsor-Plainsboro Schools!


The Manors, Lawrenceville — $269,500

2 bedrooms/2 baths
ranch style townhouse
1 car garage
new kitchen, stainless steel appliances,
granite counter top

Comments: This beautifully maintained ranch style end unit  in The Manors is the perfect place to call home. Recently renovated kitchen features new stainless steel appliances, granite counter tops and cherry cabinets. Large double glazed windows flood the home with light and the double height cathedral ceiling adds to the feeling of spaciousness and grandeur. Newly placed wall to wall carpeting and light neutral tones are the perfect canvass to style this home with your finishing touches. A private back patio through sliding glass door make for perfect summer entertaining.


Robbinsville — Foxmoor $290,000

3 bedrooms/2.5 baths
Full basement
1o years old

Comments:  BEAUTIFUL 3 BEDROOM TOWNHOUSE in Foxmoor w/ Full Basement! Delightful Eat-in kitchen features versatile 34×75 Center Island, upgraded 42” wood cabinets, Hardwood Floor & full appliance package. Spacious Family Room (15×12) adjacent to kitchen raves cozy wood burning Fire Place, Triple Energy Efficient/Tilt-in Windows & lighted ceiling fan. Formal LR & DR raves wall-to-wall carpet w/ neutral tones & hardwood foyer entrance. King Size Master Bedroom brags stunning vaulted ceiling, walk-in closet w/ organizers, lighted ceiling fan & huge full bath w/ double sink vanity, Jacuzzi Tub, stall shower & tile flooring. Additional features include Full Unfinished Basement 36×21 w/ poured concrete walls & 8’ ceilings & large Fenced yard w/ patio and decorative stone. Enjoy community pool, tennis courts, club house & commuters delight to Hamilton Train Station or 195/295. Robbinsville raves Blue Ribbon Schools!


Hopewell — Brandon Farms $300,000

2 bedrooms/2.5 baths
1 car garage
1463 sq feet.

Comments: Sunny 2BR 2.5 BA Townhome located on a premium wooded lot on a cul de sac road. Hardwood entry leads to a soaring 2 story LR with windows galore, high hat lighting and a marble woodburning fireplace. Open dining room adjancent to the kitchen and LR allows for easy entertaining. Eat in kitchen with plenty of cabinets,GE profile appliances and sliding doors that lead to an enclosed fenced patio. Great for BBQs. Spacious master suite has vaulted ceiling, pampering bath with soaking tub and stall shower, plus a private balcony! Upstairs laundry, hall bath, pull down attic (storage) and guest bedroom complete the 2nd floor. Attached garage, central air, security system and more. Move right in!


East Windsor $329,900

3 bedrooms/2.5 baths
2 car garage
over 2000 sq. feet

Comments: Beautiful, custom ranch home on private lot backing up to woods. Upgraded kitchen with custom oak cabinets, tile floors, cooktop, double oven and pantry. Hardwood floors throughout, Ceramic tile floors in bathrooms. Large master bedroom with master bathroom, double closets and sliders leading to two-tier wrap around deck overlooking the private yard. 2nd bedroom with 2 closets. Basement, skylights, recessed lighting, two fireplaces (stone & brick), bonus room, newer bay windows (2 years) in Living/Family Rooms, new windows and siding in 2002, newer roof.


Plainsboro — The Hampshire $330,000

3 bedrooms/2.5 baths
Third floor loft
Updated kitchen/stainless steel appliances

Comments: Much sought after 3 bedroom Hampshire in a great location featuring a finished loft; updated kitchen with granite counters, all stainless steel appliances – dishwasher, microwave/rangehood, stove/oven, and side by side refrigerator. This home is ready for your family.





To see any of these homes or to see if you qualify for a no-money down home loan, please contact me below, or call me, Jim Simmons on my cell at 609-529-0822

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