Provides zero interest loans and deferred payment loans to low and moderate income older homeowners for the improvement of their single family, detached owner-occupied home up to $20,000. Repair focus is on code violations and major systems such as furnaces, plumbing, structure, electrical, septic, kitchen, windows, etc.

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

A loan program designed to assist low and moderate income homeowners to make necessary repairs to their property.

Administers Section 8 rental assistance, first time homebuyer programs, and housing rehabilitation programs. Available for Section 8 participants is the Family Self-Sufficiency Program, which assists participants with obtaining employment and education opportunities while building financial capabilities. Develops quality affordable housing for individuals, families, seniors, and people with disability-based needs. Manages subsidized properties. HUD Certified Housing Counseling Agency provides home ownership and rental counseling, including pre-purchase, housing search assistance, financial education (consisting of budgeting, credit, banking, and goal setting), reverse mortgage, and mortgage default counseling. Individual Development Accounts: Offers matched savers programs to help save for Home Purchase, Education, and Small Business Development. Provides technical assistance to communities and other housing providers. Offers workshops for property owners on mold awareness, home repair, landlord/tenant rights and responsibilities, and lead-safe work practices. Staff provides affordable housing opportunities, referrals, and educational programs for tenants and landlords. Maintains listings of affordable apartments and Section 8 friendly apartments in WNY.

Provides funds available as full conditional grants, partial conditional grants, and no interest loans, based on applicant household income. The Buffalo Urban Renewal Agency (BURA) provides financial assistance to eligible homeowners in the City of Buffalo to support critical home repairs and improvements. This funding is designed to help preserve housing, improve living conditions, and promote neighborhood stability. Assistance is offered in the form of: - Full Conditional Grants – No repayment required if program terms are met. - Partial Conditional Grants – A portion may be forgiven, with the rest repaid under specific terms. - Zero-Interest Loans – Affordable loans with no interest and flexible repayment options. The type and amount of assistance available is based on several factors, including household income, property eligibility, and the specific requirements of the funding source. Priority is often given to low- to moderate-income residents and repairs that address health and safety concerns. Interested homeowners are encouraged to apply or contact BURA to learn more about current funding availability, eligibility criteria, and application procedures. 1.) Down Payment/Closing Cost Assistance Program Funding is available to assist first-time home-buyers with meeting closing costs and down payment expenses attributable to the purchase of a single-family home. Loan funds are provided at no interest as a conditional grant. No monthly or annual payments are required, but the amount provided must be repaid if the property is sold within the five-year regulatory period. 2.) Emergency Loan Assistance Program Funds repairs of a verified emergency condition such as an inoperable furnace, faulty electrical service, broken hot water tank, or break in the main water or sewer line. Loan funds are provided at no interest and partial conditional grants are available for all eligible applicants. The amount to be repaid will be based on household income. 3.) Owner-occupied Home Repair Program Funding from the City of Buffalo, NYS Housing and Community Renewal, and Affordable Housing Corporation is providing low-income homeowners with dollars to help with home repairs and make them more energy efficient. 4.) Target Focus Area Program Funds for code-related repairs are available to owner-occupant households who reside on Target streets. Loan funds are provided at no interest and partial conditional grants are available for all eligible applicants. The amount to be repaid will be based on household income. 5.) Roof Program Funds are available for repair of a severely deteriorated roof where water infiltration into the habitable area has been verified. 6.) 50/50 Program 50/50 Rehab Program offers income-eligible homeowners grants to fund up to 50% of their project cost in order to make needed home repairs. 7.) Vacant Rental Program (VRP) This program is designed to help rental property owners transform vacant, uninhabitable units into safe, high-quality, and affordable long-term rental homes within the City of Buffalo. 8.) Accessory Dwelling Unit Program (ADU) This program offers construction costs to build an Accessory Dwelling Unit. ADUs are small, self-contained living spaces usually made by converting an attic or basement, providing a flexible and affordable housing solution for family members or renters. This funding is available to property owners within the City of Buffalo who’s income falls below 120% AMI.

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.

* Assists military families coping with deployment and injury recovery as they struggle with devastating budget issues. Critical financial assistance is provided for the following services:

• Auto payment
• Auto Repair
• Child & dependent care
• Dental
• Food assistance
• Essential home items
• Medical
• Moving & relocation
• Rent & Mortgage
• Travel & Transportation
• Utilities
• Vision Care
• Home Repairs

Emergency help for home owners 60+ to correct problems that are threat to life, health, or safety of seniors in Broome County (leaky faucets, locks installed, safety devices, railings, wheelchair ramps, porch and stair repair, and more.) Call for details.

Provides homeownership opportunities to rural Americans, and home renovation and repair programs.

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.

Provides assistance to homeowners to perform rehabilitation activities that are necessary to help alleviate the substandard conditions of their homes.

Offers homeowners loans of up to $10,000 at 3% 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, driveway repair, and fence installation and repair.

The RESTORE Program is an emergency home repair program for homeowners 60 years of age and older and assists residents of Essex County with single-family home repairs through grants up to $10,000. Pre-applications are received at any time and depending on available funds qualified applicants will be chosen on a first come, first served basis.

Offers home improvement grants to very low income home owners to bring the home to HQS (Housing Quality Standards). All code issues are addressed.

Provides home ownership opportunities to low- and moderate-income individuals through several loan, grant, and loan guarantee programs. Funding may be available for single family homes, apartments for low-income persons or the elderly, housing for farm laborers, and community facilities such as childcare centers, fire and police stations, hospitals, libraries, nursing homes, schools. The programs also make funding available to individuals to finance vital improvements necessary to make their homes decent, safe, and sanitary.

Builds new homes or purchases old or abandoned homes, renovates them. Future Habitat Homeowners take classes and perform sweat equity while qualifying for a mortgage with a 3rd party lender. Mortgages are 29% of household income. Offers repairs to home owners at modest cost based on income. Offers no interest loan. Also Restore a gently used home goods store with opportunities to donate, volunteer or purchase.

The New York State Affordable Housing Corporation (AHC) creates homeownership opportunities for low- and moderate-income families by providing grants to governmental, not-for-profit and charitable organizations to help subsidize the cost of newly constructed houses and the renovation of existing housing. City of Binghamton607-772-7240www.cityofbinghamton.comBroome County - Home Improvement Delaware Opportunities Inc.607-746-1605https://delawareopportunities.orgDelaware County - Home Improvement, Acquisition/Rehabilitation Greater Opportunities for Broome & Chenango, Inc.607-334-7114www.ofcinc.orgBroome and Chenango County - Acquisition/Rehabilitation, Home Improvement Habitat for Humanity NYS607-748-4138www.habitatnys.orgBroome County - Acquisition/Rehabilitation, New Construction Ithaca Neighborhood Housing Services, Inc.607-277-4500www.ithacanhs.orgTioga County - Home Improvement, Acquisition/Rehab Tioga Opportunities Inc.607-687-4222https://tiogaopp.orgBroome and Tioga County - Home Improvement

Low-interest loans and foregivable liens to homeowners for home improvements Financial counseling from HUD certified housing counselors Construction managers guide homeowners through the project

Uses income-qualifying standards set by the federal government for the Rent Subsidy Program and the Home Improvement Program.

Provides home repair assistance to low-to-moderate income households.

Provides funding for housing rehabilitation to owner-occupied or owner-investor properties where low-income families reside.

Provides up to $10,000 to assist low-income homeowners ages 60 years or older whose living conditions are hazaradous and pose a threat to life, health, or safety. Funding can be used towards heating systems repairs or replacement, electrical repairs or updates of electrical systems, plumbing repairs, structural repairs, and accessibility measures.