There is plenty of information here on their 100% down program as well as Smart Start(grant for downpayment). There are other programs as well. You will definitely need at least a 630 to qualify. A lender I work with often who is familiar with these programs is:
He can help you more with regards to these programs if you are interested.
Hope that helps.
I have some amazing homes we're getting ready to list in the area ( I live in Oakland/ Franklin lakes and work in Wyckoff)
If you'd like some info on homes you may not have seen yet in the area give me a call.
Give him a call 973-202-2651 "tell him Dianna from Terrie O'Connor Realtors recommended him.
The time is perfect to buy a home!!
You need to speak to a lender to understand what is available and what you can qualify for.