NJ HMFA and the City have partnered to develop the Live Where You Work Program to help encourage local homeownership among those that work in the City. While this program is largely similar to NJ HMFA's existing 1st Time Homebuyers program, there are some very significant differences.
- Closing cost and downpayment assistance increases from 4% of the purchase price under the 1st THB program to 5% under the LWYW program. The downplayment assistance becomes a gift if you remain in the home for 7 years.
- The maximum income limit for participation is $85,400 and the maximum home purchase price is $395,000.
If the home is located in one of the City's Urban Target areas (see list below):
- The maximum income limit rises to $102,000
- The maximum home purchase price rises to $483,000
- You do not need to be a 1st-time homebuyer
There are some definite 'gems' on the list of Urban Target streets:
CITY OF TRENTON
STREET DIRECTORY – ELIGIBLE NEIGHBORHOOD
Street House Nos. Street House Nos.
Revised 6/27/03
2nd Street 1-525
3rd Street 1-199
Academy Street 100-399
Adam Avenue 1-99
Addie Alley 1-16
Adeline Street 1-99
Agnes Avenue 1-132
Akron Alley 1-99
Alden Avenue 1-99
Allen Place 1-99
Allen Street 100-299
Almont Alley 1-99
Alton Alley 1-99
Amboy Alley 1-99
Anthony Avenue 1-99
Arlington Avenue 1-99
Armory Drive 1-99
Artisan Street 600-699
Asbury Street 1-199
Asbury Place 1-102
Ashe Alley 100-199
Assunpink Street 1-62
Atterbury Avenue 1-99
Avon Alley 1-49
Bank Street 1-99
Barbara Street 1-99
Barlow Street 1-99
Barnes Street 1-99
Barrack Street 1-199
Bayard Street 1-99
Beakes Street 1-99
Belfast Alley 1-99
Bellevue Avenue 1-775
Belmar Alley 1-99
Belvidere Street 1-199
Bensel Alley 1-25
Bernard Street 200-399
Bessemer Alley 1-99
Blackwood Alley 1-30
Blane Alley 1-301
Bloomsbury Street 350-369
Bodine Alley 1-399
Bond Street 1-99
Boudinot Street 1-199
Breuing Avenue 500-599
Bridge Street 300-799
Brinton Avenue 1-399
Broad Street North 1-399
Broad Street South 1-799
Brooks Street 1-99
Browns Alley 1-99
Brunswick Avenue 100-798
Bryn Mawr Avenue 1-99
Burton Avenue 1-199
Bushler Alley 1-99
Butler Street 1-99
Cadwalader Terrace 1-99
Cahill Alley 1-64
Calhoun Street 1-883
Camden Street 1-99
Canal Street East 1-48,200-499
Canal Street West 1-99
Cantor Alley 1-99
Capitol Street 1-199
Carroll Street 1-199
Carroll Street East 1-99
Carver Lane 1-99
Cass Street 100-399,476-730
Cavell Street 1-99
Centre Street 1-535
Chadwick Street 1-99
Chancery Lane 1-199
Chanlow Alley 1-99
Chapel Street 1-99
Chase Street 1-99
Chauncey Street 1-99
Chelton Avenue 1-99
Christoph Avenue 1-99
Church Street 200-399
Clark Street 1-99
Clay Street 200-299
Clinton Avenue North 1-799
Clinton Avenue South 1-776
Clossons Alley 1-99
Coates Street 1-299
Cole Street 1-299 Colonial Avenue 1-99
Street House Nos. Street House Nos.
Revised 6/27/03
Commerce Street 1-99
Concord Alley 1-99
Conovers Alley 1-199
Coolidge Avenue 1-299
Cooper Street 1-99
Cottage Alley 1-99
Covert Alley 1-299
Craft Alley 1-99
Cumberland Avenue 1-99
Dale Street 1-99
Davis Alley 1-99
Daymond Street 1-99
Dean Alley 1-99
Delaware Alley 1-99
Delawareview Avenue 1-99
Delray Avenue 1-99
Dewey Avenue 1-34
Dexter Street 1-199
Dickinson Street 1-99
Ditmar Alley 1-98
Doanes Alley 1-99
Dole Alley 1-14
Dunham Street 1-99
Dye Street 1-199
Eastburn Avenue 1-99
Edgemere Avenue 1-99
Edgewood Avenue 500-1099
Edison Alley 1-99
Edmond Alley 1-99
Eisenhower Avenue 1-199
Elizabeth Alley 1-33
Elizabeth Street 1-99
Ellis Alley 1-99
Ellsworth Avenue 1-99
Elmer Street 100-299
Emory Avenue 1-49
End Avenue West 1-199
Engle Alley 1-143
Erie Alley 1-99
Escher Street 1-99
Evans Avenue 1-199
Everett Alley 1-99
Ewing Street 1-299
Exton Avenue 1-199
Factory Street 1-99
Fagans Alley 1-99
Fairway Drive 1-499
Farley Alley 1-99
Federal Street 200-699
Feeder Street South 100-298
Fell Street 1-99
Fell Alley 1-199
Felleri Lane 1-99
Ferry Street 1-599
Fillmore Street 1-99
Firth Street 1-99
Fisher Place North 1-8
Fisher Place 1-99
Forst Alley 1-49
Fosket Street 1-99
Fountain Avenue 1-199
Fowler Street 1-99
Fox Alley 1-99
Frazier Street 1-220
Front Street East 1-399
Front Street West 1-99
Fuld Street 1-99
Furman Street 1-299
Gamble Alley East 1-99
Gerbert Alley 1-25
General Green Avenue 1-99
Genessee Street 20-199
George Street 1-199
Gilbert Alley 1-199
Gill Alley 1-20
Ginder Alley 1-99
Girard Avenue 1-138
Gordon Avenue 1-99
Gould Avenue 1-20
Governeur Avenue North 200-299
Graham Alley 1-99
Grant Street 1-99
Green Place 1-99
Greenwood Avenue 1-379
Gregory Alley 1-99
Hamilton Avenue 2-260
Hancock Street 1-49
Hankins Alley 1-19
Hanover Street East 1-299
Hanover Street West 1-599
Harris Avenue 1-100
Street House Nos. Street House Nos.
Revised 6/27/03
Hart Avenue 1-199
Hartman Alley 1-99
Hayes Avenue 1-99
Heath Alley 1-99
Herman Street 1-99
Hermitage Avenue North 1-599
Hermitage Avenue South 1-99
High Street 1-99
Hills Place 100-399
Hills Alley 200-399
Hillside Avenue 1-99
Hoffman Avenue 1-899
Hoffman Path 1-99
Hogan Alley 1-13
Hogarty Alley 1-99
Holland Avenue 1-299
Holly Alley 1-99
Hoover Alley 1-99
Houghton Avenue 1-99
Howells Alley 1-99
Hudson Street 1-70,117-299,
576-1099
Huff Avenue 100-299
Humboldt Street 1-99
Hurley Street 1-99
Hustons Alley 1-499
Ingham Avenue East 1-199
Ingham Avenue West 1-200,640-699
Ivins Alley 1-299
Jackson Street 99-399
Jarris Place 1-99
Jennett Street 1-99
Johnston Alley 1-99
Jones Alley 1-99
Kafer Street 1-99
Kelly Alley 1-99
Kelsey Avenue 1-99
Kersey Alley 1-85
Kirkbride Avenue 1-199
Kossuth Street 1-47
Kulp Avenue 19-99
Lafayette Street East 1-99
Lafayette Street West 1-99
Lamberton Street 300-743
Lamont Alley 1-99
Lansing Alley 1-76
Lawrence Street 1-25
Lewis Street 1-35
Lexington Street 100-199
Lincoln Avenue 1-199
Linwood Street 1-22
Livingston Street 1-99
Lougue Street 1-99
McCauley Lane 1-15
Macon Alley 1-99
Madison Street 1-99
Magowan Avenue 1-99
Mannings Alley 1-99
Marion Street 1-299
Market Street 101-599
Market Street Ext. 380-399
Martin Place 1-99
Martin Luther King Jr. Blvd. 400-1303
McCarrters Alley 1-99
McPherson Alley 1-99
Meade Street 1-99
Mechnics Avenue 1-99
Mellon Street 1-99
Memorial Drive 1-35
Mercer Street 100-299
Merchant Street 1-99
Meyer Street 1-99
Middle Rose Street 1-99
Miller Street 100-299
Model Avenue 1-99
Monmouth Place 1-9
Monmouth Street 1-99
Monroe Street 1-99
Montgomery Place 1-99
Montgomery Street North 1-499
Montgomery Street South 1-120
Moore Alley 1-99
Moreland Avenue 1-299
Morris Circle 1-99
Moses Alley 1-199
Mott Street 1-99
Msgr. Cardella Lane 1-99
Muirhead Avenue 1-199
Mulberry Street 1-132
Mulheron Alley 1-99
Murray Street 1-199
Street House Nos. Street House Nos.
Revised 6/27/03
Napton Street 1-25
Nassau Street 1-199
Nelson Street 1-105
New Miller Street 1-99
New Rose Street 1-199
New Trent Street 1-199
New Willow Street 400-699,
900-1493
New York Avenue 100-525
Niagara Alley 1-199
Nicklin Alley 200-299
Nordacs Place 1-99
Normal Street 1-20
Norman Avenue 1-99
Nottingham Way 1-267
Oak Street 1-99
Oakland Street 1-399
Ogden Street 1-99
Old Rose Street 100-299
Olden Avenue North 200-789
Olive Street 1-299
Olive Avenue 1-299
Ott Street 1-99
Overbrook Avenue North 93-199
Owen Alley 1-99
Oxford Street 1-99
Park Alley 1-19
Parkway Avenue 1-49
Pashley Avenue 1-99
Passaic Street 1-299
Paul Avenue East 1-199
Paul Avenue West 1-173
Peace Street 1-99
Pearl Street 1-208
Pennington Avenue 1-981
Perdicaris Alley 1-99
Perdicaris Place 1-99
Perrine Avenue 1-99
Perry Street 1-699
Phillips Court 1-99
Phillips Avenue 1-299
Phoenix Alley 20-98
Pikes Alley 1-99
Poplar Street 1-199
Post Office Alley 1-299
Potts Alley 1-99
Power Street 1-99
Prince Street 1-99
Pritchard Street 1-199
Proctor Avenue 1-199
Prospect Street 1-999
Pulaski Alley 1-49
Pulllen Alley 1-99
Race Street 1-199
Raoul Williamsberg Avenue 1-199
Raritan Alley 1-29
Raritan Place 1-4
Raywood Alley 1-99
Reservoir Street 200-499
Rhodes Alley 1-99
Ribsam Alley 1-99
Richey Place 1-199
Ringold Street 1-99
Rita Alley 1-99
Riverside Avenue 400-715
Roberts Alley 1-19
Roff Street 1-99
Rogers Alley 1-25
Roosevelt Street 500-599
Rosar Alley 1-49
Rosemont Avenue 100-299
Rossell Avenue 1-199
Rulon Alley 1-99
Rutgers Place 1-99
Rutherford Avenue 1-799
Saint Joes Avenue 1-149,300-599
Sanford Street 1-99
Seiger Alley 1-199
Seward Avenue 1-99
Shepards Alley 1-99
Sheridan Avenue 1-199
Sherman Avenue 1-99
Short Street 1-99
Skillman Avenue 5-199
Snyder Alley 1-99
Southard Street 1-999
Spring Street 1-399
State Street East 1-599
State Street West 1-799
Steamboat Street 1-199
Stevens Alley 1-99
Stockton Place 1-99
Street House Nos. Street House Nos.
Revised 6/27/03
Stockton Street North 1-199
Stockton Street South 1-199
Strand Alley 1-99
Stuyvesant Avenue 1-625
Summer Street 1-199
Summit Avenue 1-99
Superior Alley 1-199
Sweets Avenue Odd #’s 1-225
Sweets Avenue Even #’s 18-298
Sylvester Street 1-99
Taylor Place 1-99
Taylor Street 1-299
Tilton Alley 100-135
Titus Avenue 1-99
Trenton Avenue East 1-99
Tucker Street 1-99
Turpin Street 1-199
Tyler Street 1-199
Tyrell Avenue 1-99
Union Alley 1-99
Union Street 200-599
Utica Alley 1-99
Vine Street 1-99
Violet Street 1-99
Vixon Alley 1-99
Wainswright Avenue 1-99
Walker Alley 1-22
Walkette Alley 100-399
Wall Street 1-99
Ward Alley 1-99
Warner Alley 1-99
Warren Street 100-199
Warren Street North 1-399
Warren Street South 1-499,700-899
Wayne Avenue 1-299
Webb Alley 1-99
Webster Street 1-99
Weeden Alley 1-20
White Street 1-99
Whitlock Alley 1-24
Wilbur Alley 1-15
Wiley Alley 1-99
Wilkinson Place 1-199
Willow Street North 1-499
Willow Street South 1-199
Wilmot Alley 1-199
Wilson Street 1-99
Windsor Alley 1-99
Winter Street 4-5
Winthrop Court 1-99
Wood Street 1-99
Yard Avenue 1-99