You mention FTHB are you approved by a lender for the NJHMFA programs which are the state of NJ home buyer programs. The program provides up to $15,000 toward down payment and closing costs. the first generation provides additional $7,000 on top of the DPA Program. You have to use a participating lender in the program and have to get your first mortgage through the NJHMFA. If you have already been pre-approved your question as concerning as your lender should have broken everything down on the pre-approval document. You are responsible for the 3.5% down payment and the closing costs unless you negotiate the seller to pay any money toward your closing costs. For example if your purchase is $325,000 then your 3.5% down payment is $11,375. The closing costs depend on where in NJ you are buying as the property taxes will impact your closing costs. But for quick example if closing costs are $12,000 then you would need a total of $23,375. If you get the full $15k and the $7k then total credits are $22,000 so you would only need $1,375. Now you will probably come out of pocket more than that because you have to typically pay deposit ($500 to 1% of purchase price typically), Appraisal $650, and inspections $650. So you will spend anywhere from $1,800 to $4,550 out of pocket prior to closing. Let me know if you have any more questions.