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.

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.

Provides emergency financial assistance in the form of a loan for an urgent need or situation that needs to be taken care of right away such as utility shut off (gas, electric, water), evictions, moving/storage expenses, or property repair. Rental assistance available.

Provides loans for homeowners in Erie County to make health and safety repairs to their homes. Eligible repairs include but are not limited to furnace and electrical repairs, repairs to address sewer/plumbing emergencies, and lead paint remediation. Program is funded by ECDSS, and loans are serviced by Home HeadQuarters, a non-profit, certified Community Development Financial Institution.

Provides assistance to enrolled members of the Seneca Nation of Indians in emergency situations (i.e. loss of income, disability, loss of home etc.). These services include Minor Home Repair, Emergency Food from Pantry, and Home Energy Assistance Program (HEAP) applications.

A comprehensive housing mobility program that assists participants in the Housing Choice Voucher (HCV) program with children move to designated opportunity areas of their choice in Erie and Niagara Counties. These areas have lower rates of poverty, violent crime, and unemployment, along with higher school rankings for a better quality of life for families. Mobility Coaches assist with finding housing in a well-resourced area, work with participants to develop family, vocational, and/or educational goals, and link participants with community resources to help them to meet these goals. MMP provides comprehensive support to tenants participating in the housing mobility program described above through the following secondary services: - Up to $700 for moving expenses and as much as $1100 to be used toward a security deposit for housing in designated opportunity areas - One-hour workshops on housing search techniques, tenant rights and responsibilities, and basic financial skills - Individual mobility counseling and support throughout the housing search process - Assistance with completing the lease application and other required paperwork, as well as negotiations with the landlord - Post-move support and check-ins provided by the mobility counselor - Landlord/tenant liaison services and mediation services to resolve landlord-tenant conflicts Grants of up to $5,000 are available to participating landlords for rental property improvements.

Accepts applications for temporary assistance, Medicaid, SNAP, and emergency assistance. Homeless team provides emergency shelter placements for eligible clients.

Provides eligible homeowners with a free energy assessment or energy audit. Assessments are conducted by a participating home performance contractor. Helps homeowners and renters of 1-4 unit family homes by providing a means to affordable energy efficient improvements and upgrades. Common work includes adding insulation, reducing drafts, and repairing or upgrading heating systems. Energy upgrades are eligible for low cost, low interest loans and incentives for income-eligible households. Income eligible households are eligible to receive a discount covering 50% of the cost of eligible energy efficiency improvements up to $4,000 per project for single-family homes. 2-4 unit residential homes with income-eligible residents may qualify for a discount of up to $8,000.

Loans and grants are available to very low income rural residents who own and occupy a dwelling in need of repairs. Funds are available for repairs to improve or modernize a home or to remove health and safety hazards. Loans are at 1% and may be repaid over a 20-year period. Grant funds are used to make repairs/improvements to make the dwelling more safe and sanitary, more accessible, or to remove health and safety hazards. Loan funds can be used for more various purposes.

Assists eligible individuals in a crisis by issuing one-time, non-recurring payments to meet emergency situations. The unit may assist with security agreements to landlords, utility arrears payments to avoid shut-offs or to restore service, extermination fees, and moving or storage expenses. Financial assistance is made in the form of a loan for utility shut-off, evictions, moving/storage expenses, property repair, rental assistance, mortgage assistance, and foreclosure. A security agreement is provided to landlords instead of a security deposit. Emergency and immediate needs assisted include: - Shelter Arrears - Utility Arrears - Security Agreements - Moving Assistance / Storage Assistance - Water Arrears - Stoves/Fridges/Household Establishments of Furniture (for Households not receiving Temporary Assistance) - Essential Property Repair for Homeowners (pending a health evaluation/inspection to confirm that the issue in need of repair poses a hazard to the residents' health) - Extermination - Grants of Assistance for Guide Dogs - Enhanced Shelter Allowance Determination for Temporary Assistance Recipients - SSI Check Replacement

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

Through the City of Buffalo's Emergency Assistance Loan Programs and 50/50 Loan Program, loan funds are available to assist homeowners in need of making health and safety repairs, addressing building code violations, and making emergency repairs to leaking roofs, sewer line breaks, broken hot water tanks, inoperable furnaces, and faulty electrical service. Heart of the City Neighborhoods is able to assist homeowners in the West Side, Upper West Side, Lower West Side, Elmwood-Bidwell, Elmwood-Bryant, Allentown, and Central Planning Neighborhoods with applications. If you live in a different neighborhood, please contact the office to be referred to the organization that can assist you. You can also use this online tool to find the housing organization that serves your neighborhood: https://app.powerbigov.us/view?r=eyJrIjoiMjczYmM5MjgtODI1Yy00Nzg5LWI4NDYtY2FiZDY1MmJiNTJjIiwidCI6IjFhOWU4NDdhLWIxMTYtNDc4NS05NWEyLWQ3ZmY2ODJkOTA5MSJ9

* Provides funds to make emergency repairs.

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. Bishop Sheen Ecumenical Housing Foundation, Inc. 585-461-4263 www.sheenhousing.org Tioga County - Home Improvement, New Construction City of Binghamton 607-772-7240 www.cityofbinghamton.com Broome County - Home Improvement City of Oneonta 607-423-0114 https://www.oneonta.ny.gov Otsego County - Acquisition/Rehabilitation Delaware Opportunities Inc. 607-746-1605 https://delawareopportunities.org Delaware County - Home Improvement, Acquisition/Rehabilitation First Ward Action Council Inc. 607-772-2850 http://firstwardaction.org Broome County - Home Improvement Greater Opportunities for Broome & Chenango, Inc. 607-334-7114 www.ofcinc.org Broome, Chenango County - Acquisition/Rehabilitation, Home Improvement Habitat for Humanity NYS 607-748-4138 www.habitatnys.org Broome County - Acquisition/Rehabilitation, New Construction Ithaca Neighborhood Housing Services, Inc. 607-277-4500 www.ithacanhs.org Tioga County - Home Improvement, Acquisition/Rehab Otsego Rural Housing Assistance, Inc. 607-286-7244 https://www.otsegoruralhousing.org Otsego County - Home Improvement Tioga Opportunities Inc. 607-687-4222 https://tiogaopp.org Tioga County - Home Improvement Western Catskills Community Revitalization Council, Inc. 607-652-2823 www.westerncatskills.org Delaware County - Home Improvement, New Construction

* Provides grant assistance to low-income homeowners who are experiencing critical and safety home repairs. Assists with a wide range of repairs, including: Rehabilitation, accessibility and modification services. Hot water heaters. Furnaces. Roofs. Electrical work. Bathroom and kitchen repairs. Services for seniors, veterans, and individuals with disabilities.* All services and programs subject to availability of funding.

Provides home improvement grants of up to $1500-$3000 income eligible City of Syracuse homeowners for minor exterior home repairs.

A NYS program that helps low- and moderate-income homeowners pay for critical repairs. To qualify, a household's total income must be below 80% of the area median income. Homeowners who qualify can receive up to $40,000 per household to cover the costs of repairs such as:ADA improvementsRoof repairsAddressing code violationsUtility upgradesMold remediationInstalling safety featuresAccessibility modificationsStructural repairs

single family mortgages for new or existing homes for very low to moderate income households in rural areas home repair loans and grants for very low-income applicants unable to obtain credit from traditional lending facilities; mobile home owners must own the land on which the home sits to improve or modernize a home, make it safer or more sanitary, remove health and safety hazard community loans and grants for water and sewer, fire halls, fire trucks/ambulances; day care centers, community-based centers, town halls, libraries rural business enterprise grants housing preservation grants elderly and family housing complexes for low-income residents business and industrial loans