Offers first time homebuyers assistance to cover down payment and/or closing costs plus rehabilitation expenses. Also offers pre-purchase and post-purchase education, as well as homeownership counseling.

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

Rehab Loan Programs for owner occupants includes the Target Streets Rehab Initiative, Fifty-Fifty Program, and Emergency Assistance Program. Funds are available as full conditional grants, partial conditional grants, and no interest loans, based on applicant household income. First-time Homebuyer Programs: 1.) Downpayment Assistance: Enables many first-time homebuyers earning less than 80 percent of their community's median income to purchase their first home. Program provides funding up to a maximum of $5,000 to assist with down payment and closing cost expenses associated with the purchase. 2.) Homegrown Homeownership: Purchase and rehab assistance for eligible buyers purchasing a home from the City of Buffalo, Division of Real Estate. 3.) New builds or rehabilitated houses for sale from funded partners, depending on availability. Rental Development Program finances affordable rental developments so as to create additional affordable quality rental units in Buffalo.

Provides down payment assistance to help East Buffalo residents purchase homes. Assistance is provided in the form of grants to help with the purchase of a 1-4 unit single family home, condominium unit, coop unit, or manufactured home. The DPAL + award will be sized to bring the applicants’ primary mortgage down to 80% of the loan to value of the home. The maximum award will not exceed $30,000 per applicant. The assistance may be used to pay for down payments, closing costs, and where necessary, a one-time Primary Mortgage Insurance payment. DPAL+ must be used in conjunction with a State of New York Mortgage Agency (SONYMA) mortgage, and will be offered through three SONYMA participating lenders: Premium Mortgage, M&T Bank, and First Priority Mortgage. Homeowners who receive an award under this program will sign a 10-year regulatory agreement. The award will be forgiven on a declining balance amortization schedule, such that the full award will be fully forgiven if the homeowner remains in the home with a sale or refinance for the full 10 years.

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.

Provides up to $5,000 for a first time low income homebuyer. Funding can assist with closing costs and down payments.

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.

Helps low and moderate income families with home buying assistance, through counseling, down payment, closing costs, etc.

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

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.

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.

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

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.

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.

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

Provides financial assistance to families buying a home in Jefferson 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.

Provides assistance to first-time home buyers with low to moderate incomes for the purchase of modest existing single-family homes. Offers homeownership education and counseling.

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