* Develops, preserves, and improves housing opportunities. * Promotes community improvement and preserves rural villages and towns. * Operates apartments for the elderly and disabled, single family homes, duplexes and apartments for low income families. * Offers home ownership programs. * Offers home repair programs for single family owner occupied homes. * Offers home repair program for seniors in need of emergency repairs. * Offers owner-occupied single family accessibility modifications. * Facilitates supportive housing component to assist individuals with an independent lifestyle.

Programs for eligible first time home buyers: subsidies to reduce closing costs and to rehabilitate the property after purchase applicant(s) obtain their own mortgage with a lending institution housing counseling for eligible applicants, such as pre-purchase and budget counseling

Low-interest loans for down payments, closing costs, repairs, and help securing USDA loans for purchases/repairs. Currently, amounts up to $10,000 may be borrowed starting at 3.5%, repayable over a period of up to 10 years. Other loan funds may also be available for additional purchase/repair assistance.

Housing rehabilitation grants: income at or below 80% of county median income based on family size, own the home and need home repairs. does planning, strategic plans and loan portfolio management for municipalities Business assistance: submitted by municipality where business is or is to be located. administers and writes grants for municipal customers, not-for-profit organizations and private customers does planning, strategic plans and loan portfolio management for municipalities Grants focus on housing rehabilitation, homeownership, assistance to businesses, public facilities, parks, records management, police, fire and infrastructure improvements.

Offers grants to low to moderate income owner-occupied households across Broome and Chenango Counties in correcting serious threats to health and safety issues to homeowners.

* Offers a variety of home repair programs for the City of Auburn and Cayuga County. Funding affects program availability. RESTORE - Emergency home repair program for senior citizens Access to Home - Home improvement program to address accessibility concerns for homeowners or tenants with a disabled household member NYS HOME - Home repair program to assist homeowners to address code violations and health and safety concerns NYS Affordable Housing Corporation - Home repair program to address code violations and health and safety concerns Auburn CDBG Program - Home repair program to assist homeowners to address code violations and health and safety concerns for the City of Auburn

Loans and grants for income and program qualified homeownersfor structural and health and safety repairs.

Offers homeowners loans of up to $25,000 at 1% interest, payable over 10 years, to be used for interior and exterior home improvements. Income-eligible residents may be eligible for a grant of up to $2,500 as part of their loan.

Provides grants for the rehabilitation of owner-occupied homes located on the northeast side of the Village of Massena and grants for first time homebuyers in the Village of Massena.

Offers homeowners loans of up to $10,000 at 1% interest, payable over 7 years, to be used for exterior home improvements. Eligible repairs include roof repair or replacement, exterior painting, step replacement, porch repair, window replacement, exterior door replacement, sidewalk replacement, driveway repair, and fence installation and repair.

Provides financial assistance for homeowners to make essential repairs to their homes, including essential handicapped accessibility work.

Offers several programs to assist with housing needs. Emergency Assistance Program: Intended to address emergency situations such as utility service interruption (plumbing, heating, electrical) and the repair of specific house systems that are in poor or dangerous condition (roof, chimney). Conditions noted with each request for emergency assistance will be verified by a representative of the Office of Strategic Planning. Property must be well maintained and structurally sound. 50/50 Program: Offers a conditional grant for low-income first-time home buyers who are purchasing an existing one or two bedroom home in need of rehabilitation in the City of Buffalo. Grant is to assist in the rehabilitation of the home being purchased, amounting to one half of the rehabilitation cost up to a maximum of $25,000. City funds are used to match private financing for renovations to bring the property into compliance with local standards and lead-based paint hazard reduction requirements. Weatherization Program: Offers funds, up to $5,000 per structure, to assist homeowners in the City of Buffalo to make their homes more energy efficient and protected from the elements. Eligible expenses through this program include weather-stripping and caulking of doors and windows; cleaning, testing, and repairs of heating systems; adding insulation to walls and ceilings; and minor repairs as needed. Program is available city-wide to income-eligible owner occupants who meet program application guidelines. Down Payment & Closing Cost Assistance Program: Provides financial assistance to low and moderate income first-time homebuyers for closing costs related to the purchase of their first home. Funds are provided as an interest-free conditional grant/loan with a five-year term that is secured by a second mortgage on the property. Home Repair Program (currently unavailable until further notice): Offers housing repairs such as replacing windows, doors, furnaces, and hot water tanks. Program is available to income-eligible owner occupants who meet program application guidelines. Targets 20 owner-occupied homes for critical home repairs in the 14214, 14215, and 14216 zip codes of the City of Buffalo.

Provides community meeting space, food pantry referrals, special events, family activities, and technology center / computer lab. Senior programming includes exercise, movies, parties, senior council meetings, bingo, nutrition program for seniors, and field trips. Youth programming includes an after school program for children 5-10 years old, 4-H programs, homework help, teen and adolescent life skills, youth and teen recreation, summer day camp, and homework assistance. Also provided are youth sports, adult sports and recreation, adult athletic leagues, exercise programs, and a fitness room. Serves as a City of Buffalo Cooling Center during times of extreme heat and as a Warming Center during times of extreme cold. Always call ahead to make sure a Cooling/Warming Center is open before going there.

A federal agency working to help improve the economy and quality of life in rural areas. Helps rural residents buy or rent safe, affordable housing and make health and safety repairs to their homes. Programs include Single Family Housing Guaranteed Loan Program, Single Family Housing Direct Home Loans, and Single Family Housing Repair Loans & Grants. Offers loans, grants, and loan guarantees to help create jobs and support economic development and essential services such as housing; health care; first responder services and equipment; and water, electric, and communications infrastructure. Promotes economic development by supporting loans to businesses through banks, credit unions, and community-managed lending pools. Offers technical assistance and information to help agricultural producers and cooperatives get started and improve the effectiveness of their operations. Provides technical assistance to help communities undertake community empowerment programs.

Works to preserve and enhance the housing stock for eligible residents residing in the 12 rural towns and 5 rural villages of Niagara County (excluding the cities of Niagara Falls, Lockport, and North Tonawanda). Offers home repair grants for home improvements such as roofs, septic systems, foundation wall, and other repairs to the home.

Provides housing renovation solutions for veterans and active duty military who need safe, medically appropriate, and affordable housing as the journey back to civilian life. All renovations are at no cost to the veteran or family through the generous support of individuals, foundations and corporate contributors.

Provides home improvement loans for the elderly and low income homeowners residing in Babylon Town.

Offers limited home repair grants for specific profile clients. Mortgage, taxes, and insurance must be current. Multiple grant conditions apply. Home must be repairable. No emergency funds are available.

Provides an on-site emergency food pantry for residents of specific streets in the City of Lockport (call for details) and information on meal planning and budgeting. Provides rent, mortgage, and utility payment assistance to low income individuals and families when funds are available; funds are currently unavailable. Fair Housing Advocacy Program assists individuals who feel they are victims of discrimination when purchasing or renting a home. Provides information, assessment, and referral to the appropriate federal, state, or local human rights agency or court. Provides housing location services and landlord/tenant advocacy. Individual advocacy, information and referral, application assistance, asset management, and budget counseling are also available.

Offers a variety of loan and 100% financing programs to assist with home purchases, construction, home repairs or refinancing, for qualifying applicants. Financing includes Conventional Loans, VA, FHA, Rural Housing, and Rehab Loans.

A certified Hud-housing agency that provides tenant assistance, eviction prevention, home ownership counseling, landlord-tenant mediation, foreclosure counseling, first time home buyer counseling, reverse mortgage counseling, and housing court assistance. A loan/grant program is in place to assist with home improvement, weatherization and applications for funding for other housing-related services.