* Offers financial coaching and planning.
* Provides homebuyer education.
* Participates with lenders to offer down payment assistance.

* Offers down payment and closing cost assistance.* Assists with housing rehabilitation for owner-occupants of one to four family houses. Part of rehabilitation loan program House inspection and job cost estimate Written specifications and bid process Advisement in selection of contractors* Offers affordable loan financing and counseling for housing rehabilitation and home improvement loans for non-bankable owner-occupants.* Offers HUD-certified housing counselors on staff to offer free Foreclosure Prevention counseling.

Offers subsidies to low- and moderate-income individuals for the purchase of homes renovated by the county.

Offers homebuyer grants and financing resources to help individuals become homeowners.

Provides down payment, closing costs, and repair assistance to income eligible individuals to purchase existing single-family homes in Lewis County.

Provides assistance and funding of up to $20,000 to low-income owners in Jefferson County for the replacement of existing mobile homes with new, energy efficient modular units.

Offers closing cost assistance of up to $4,000 for first-time, income eligible home buyers purchasing a home in Cayuga, Cortland, Jefferson, Madison, Onondaga, or Oswego counties. For City of Syracuse home buyers, assistance is available as a deferred loan (no repayment provided residency requirements are met). Outside the City of Syracuse, assistance is in the form of a low-interest loan.

Provides grants to eligible low-to-moderate income first time homebuyers for down payments and closing cost assistance. Provides credit counseling and help in preparing to obtain a home loan.

Offers grants to first time buyers that meet the income guidelines. The grant provides $8,000 to be used towards down payment and closing costs and are forgiven after 5 years.

Comprehensive training in purchasing a house for low- and moderate-income first-time home buyers, including: establishing good credit understanding home financing working with a realtor how house inspections work understanding documents signed at closingthrough traditional classroom setting; four weekly, two-hour sessions with guest speakers online through eHomeAmerica with videos and self-tests, enabling individuals to complete the program at home at his or her own paceOne-on-one counseling on topics from credit counseling to home maintenance.Residents of Cayuga, Chemung, Cortland, Schuyler, Seneca, Tioga, and Tompkins.Offers assistance with down payments; homebuyer education required.

Provides grant monies to assist first time homebuyers with their housing purchase of single-family homes within the City of Fulton. Provides up to $20,000 for closing costs and down payment.

Provides qualifying U.S. military veterans with special loans or grants to buy their first home or move to a different home.

Grants are available for first-time homebuyers seeking to purchase foreclosed homes in Nassau and Suffolk Counties as part of the Community Stabilization Program. Grants can be used for down payment. Provides up to $30,000 in down payment assistance.

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

Provides eligible first time homebuyers with up to $39,000 towards down payment/closing costs towards the purchase of an eligible new or existing single-family home, provided that the applicant is income eligible and meets all program requirements. OPEN IN A FIRST-COME, FIRST SERVED BASIS UNTIL FUNDING HAS BEEN EXHAUSTED

Offers down payment assistance up to $15,000 to qualifying individuals and families with low to moderate income guidelines, and who are obtaining a mortgage loan offered by State of New York Mortgage Agency program.

Offers low and moderate income first-time home buyers assistance with home buying counseling, down payment, closing costs, etc.

Provides income eligible Long Island homeowners with resources, deferred grants and low interest rate loans to make necessary repairs and improvements to their homes, based on need and as determined by CDCLI professional housing rehab specialists.

Provides down payment assistance to eligible first time homebuyers as well as home ownership counseling and foreclosure prevention.

Provides qualified homebuyers with grants of $25,000-$35,000 for the purchase of a one-family home, a condominium or a cooperative for owner-occupancy in Westchester or on Long Island.

Offers housing counseling services and workshops on pre-purchase, post-purchase, reverse mortgages, rental, mortgage default/foreclosure prevention, as well as financial education focusing on budgeting, credit, banking, and goal setting. Counseling is provided at various locations.

Offers grants to first time buyers that meet the income guidelines. The grant provides $8,000 to be used towards down payment and closing costs and are forgiven after 5 years.

Designed for first time home buyers, this program assists low/moderate-income persons into ownership with financial assistance through the use of grants to reduce the cost of the house to make it more affordable, do repairs to the house to ensure it meets code and housing quality standards, or both.