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* Builds or renovates houses in partnership with low-income families and sells the houses to the people at no profit and no interest.* Receives funds and building materials from individuals, churches, and other organizations.

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Housing Development
Neighborhood Improvement Groups
Subsidized Home Acquisition
* Provides affordable homeownership opportunities and home repairs in Oneida County to active military and veteran families.

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Subsidized Home Acquisition
Provides assistance to income-eligible households through housing rehabilitation programs and first-time home buyer programs. Advocates to eliminate housing discrimination due to race, color, sex, religion, familial status, disability, or national origin.

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Affordable Housing Development Incentives
Home Maintenance and Minor Repair Grants/Loans
HUD Approved Counseling Agencies
Homebuyer/Home Purchase Counseling
Home Rehabilitation Loans
HUD Management Companies
Low Cost for Sale Homes/Housing Units
First Time Buyer Home Loans
Working in partnership with people in need to build and renovate decent, affordable housing.

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Volunteer Recruitment/Coordination Volunteer Opportunities
Planning/Coordinating/Advisory Groups
Sweat Equity Programs
Debris Removal Volunteer Opportunities
Low Income Home Loans
Roofing Volunteer Opportunities
Carpentry Volunteer Opportunities
Plumbing Volunteer Opportunities
Handyworker Volunteer Opportunities
Electrician Volunteer Opportunities
* Provides affordable homeownership opportunities in Oneida County to low-income, elderly, disabled and veteran families.

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Neighborhood Improvement Groups
Subsidized Home Acquisition
* Provides rental and homeownership opportunities.

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Manufactured/Mobile Home Parks
Subsidized Home Acquisition
Low Cost Home Rental Listings
Working in partnership with people in need to build and renovate decent, affordable housing.

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Planning/Coordinating/Advisory Groups
Handyworker Volunteer Opportunities
Sweat Equity Programs
Electrician Volunteer Opportunities
Low Income Home Loans
Carpentry Volunteer Opportunities
Provides the opportunity to make home ownership a reality for people who are unable to purchase a home on Long Island without financial assistance. Provides grants (forgiveable after 10 years) to qualified applicants. Non-eligible applicants receive free credit/mortgage counseling.

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Subsidized Home Acquisition
Low Income
Middle Income
Provides homes for sale to income-eligible families through New York State Homes and Community Renewal funding. Limited number of homes are available.
homebuying home ownership home refinancing HUD homes for sale and how to buy one rental assistance programs relocation, foreclosure and eviction services for the homeless housing discrimination

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Housing Discrimination Assistance
Homebuyer/Home Purchase Counseling
Low Cost for Sale Homes/Housing Units
* Provides donated homes to military families and veterans through a partnership with national banks.
homebuying home ownership home refinancing HUD homes for sale and how to buy one rental assistance programs relocation, foreclosure and eviction services for the homeless housing discrimination

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Housing Discrimination Assistance
Homebuyer/Home Purchase Counseling
Low Cost Home Rental Listings
Low Cost for Sale Homes/Housing Units
Habitat Newburgh partners with remarkable families within our service area to provide opportunities to own a home through its homeownership program. Families must have income between 30-60% of the area median income, have the ability to pay an affordable mortgage, and be willing to partner with us through sweat equity and participation in educational classes.
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.

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Home Rehabilitation Services
Sweat Equity Programs
Roofing Volunteer Opportunities
Electrician Volunteer Opportunities
Plumbing Volunteer Opportunities
Weatherization Volunteer Opportunities
Handyworker Volunteer Opportunities
Builds and then sells homes for cost with no-interest loans to qualifying individuals and families.

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Low Cost for Sale Homes / Housing Units
Builds and rehabilitates simple, decent houses with the help of the community. Habitat houses are sold to partner families at no profit, financed with affordable, no-interest loans. The homeowners' monthly mortgage payments are used to build still more Habitat houses.
Builds homes, with affordable loan terms, for low income working individuals and families who cannot afford a home at the housing market rates.

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Low Cost for Sale Homes / Housing Units
Sweat Equity Programs
Builds homes, at cost with no-interest loans, for eligible individuals and families that cannot afford one due to limited income.

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Sweat Equity Programs
Financial Literacy Training
Builds new homes with low mortgages or does home rehabilitation for working, low-income families. Families helped by Habitat must also volunteer time in helping the organization in one capacity or another.

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Sweat Equity Programs
Home Rehabilitation Services
Offers subsidized housing for families who are low-income. There are 215 units in this community offering a mix of home ownership and low, moderate, and upper income level rental units.

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Public Housing
Low Income / Subsidized Private Rental Housing
Low Cost for Sale Homes / Housing Units