SmartMove New York

SmartMove New York is sponsored by New York State. Provides down payment assistance to first-time homebuyers in New York State.

First-Time Homebuyer Programs in New York | Redfin First-Time Homebuyer Programs in New York Are you a first-time homebuyer in the bustling metropolis of New York? This guide is your key to finding affordable homeownership options in the city that never sleeps. Explore a comprehensive overview of assistance programs and resources available for New York residents.

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Program Assistance Offered Who Should Apply Assistance Type Homebuyer Dream Program (HDP) Up to $14,500 in down payment and closing cost assistance First-time homebuyers purchasing homes in New York, New Jersey, Puerto Rico or the U.S. Virgin Islands and that can meet income requirements Grant NYSAR Housing Opportunities Foundation Grants $2,000 indown payment and closing cost assistance First time homebuyers who meet income requirements Grant SmartMove New York Up to 20% of the purchase price in down payment assistance First time homebuyers who meet income requirements Second mortgage with a 3% interest rate SONYMA's Down Payment Assistance Loan (DPAL) Up to $15,000 in down payment and closing cost assistance Any homebuyers with a SONYMA mortgage Forgivable loan County/Region Program Assistance Offered Who Should Apply Assistance Type Albany AHC Rehabilitation Program Down payment assistance - amount not specified First time homebuyer who meets income requirements and buys a home in Albany County (excluding the city of Albany) Grant Chemung HOME Local Program Up to $20,000 in down payment and closing cost assistance First time homebuyer purchasing a home in in Chemung County, including the City of Elmira, Village and Town of Horseheads and Town of Big Flats Grant Clinton H.

A. P. E.

C. Housing Assistance Program Closing costs - amount not specified First time homebuyer purchasing a home in Clinton or Essex Counties Deferred loan Erie NeighborWorks Community Partners Closing Cost Assistance Up to $7,500 in closing cost assistance First time homebuyers purchasing in Erie, Monroe, or Niagara counties Second mortgage Essex H. A.

P. E. C.

Housing Assistance Program Closing costs - amount not specified First time homebuyer purchasing a home in Clinton or Essex Counties Deferred loan Rensselear Rensselaer County Homebuyer Program Up to $20,000 in down payment and closing cost assistance First time homebuyer who meets income requirements and purchases a home in Rensselear County (excluding the city of Troy) Grant Suffolk Down Payment Assistance Program (DPAP) Up to $14,000 for down payment assistance First time homebuyer who meets income requirements and purchases a home in a HOME Selection Area Forgivable loan with a 0% interest rate Suffolk Down Payment and Closing Cost Assistance Loan Up to $75,000 in down payment and closing cost assistance First time homebuyer who meets income requirements Second mortgage Madison Down Payment AND Rehabilitation Assistance Program Up to $24,750 in down payment assistance and rehabilitation work First time homebuyers who meet income requirements purchasing a home in Oneida or Madison County (excluding the cities of Rome and Utica) Forgivable lien Monroe Monroe County First Time Homebuyer Grant Program Down payment and closing cost assistance - amount not specified First time homebuyer purchasing a home in Monroe County (excluding Rochester) Grant Monroe NeighborWorks Community Partners Closing Cost Assistance Up to $7,500 in closing cost assistance First time homebuyers purchasing in Erie, Monroe, or Niagara counties Second mortgage Multiple (13) Bishop Sheen Ecumenical Housing Foundation Home Ownership Loan Program Up to $3,000 in closing cost assistance Homebuyers who meet income requirements in Allegany, Cayuga, Chemung, Livingston, Monroe, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wayne and Yates Counties.

Second mortgage with a 0% interest rate Nassau Down Payment and Closing Cost Assistance Loan Up to $75,000 in down payment and closing cost assistance First time homebuyer who meets income requirements Second mortgage Niagara NeighborWorks Community Partners Closing Cost Assistance Up to $7,500 in closing cost assistance First time homebuyers purchasing in Erie, Monroe, or Niagara counties Second mortgage Oneida Down Payment AND Rehabilitation Assistance Program Up to $24,750 in down payment assistance and rehabilitation work First time homebuyers who meet income requirements purchasing a home in Oneida or Madison County (excluding the cities of Rome and Utica) Forgivable lien City Program Assistance Offered Who Should Apply Assistance Type Albany Home Acquisition Program (HAP) Up to $10,000 in down payment and closing cost assistance Any homebuyer who meets income requirements Deferred second mortgage Amherst First-Time Homebuyers Program Down payment and closing cost assistance - amount not specified Homebuyers who meet income requirements and purchase a home in the Town of Amherst or the Village of Williamsville Deferred second mortgage Auburn Mortgage Assistance Program (MAP) Up to $3,000 in down payment and closing cost assistance First time homebuyers who meet income requirements and purchase a home in the city limits of Auburn Grant Babylon HOME Down Payment Assistance Program Up to $20,000 in down payment and closing cost assistance First time homebuyers who meet income requirements Forgivable loan Binghampton First-Time Homebuyer Program Up to $5,000 in down payment and closing cost assistance First time homebuyers who meet income requirements Forgivable, deferred loan Brookhaven HOME Down Payment Assistance Program Up to $20,000 in down payment and closing cost assistance First time homebuyers who meet income requirements Forgivable loan Buffalo Down Payment and Closing Cost Assistance Program (DPCC) Up to $5,000 in down payment and closing cost assistance First time homebuyers who meet income requirements Forgivable, deferred loan Buffalo Homegrown Homeownership Program Opportunity to buy a vacant home with additional funding for home repairs - amount not specified First time homebuyers who have a SONYMA Remodel NY Mortgage Not specified Colonie First Time Homebuyer Program Up to $14,000 indown payment and closing costs assistance First time homebuyer who meets income requirements Grant Elmira First-Time Homebuyer Program Up to $8,000 in down payment and closing costs assistance First time homebuyerss purchasing a home in Elmira Grant Glens Falls Glens Falls National First-Time Homebuyer Loan As low as 3% down payment home loan First time homebuyers who meet income requirements Loan Hamburg First Time Home Buyer Up to $10,000 in down payment and closing cost assistance First time homebuyers who meet income requirements Forgivable, deferred loan Ithaca Financial Assistance Up to $20,000 in down payment and closing cost assistance First time homebuyer who live OR work in Cayuga, Chemung, Cortland, Schuyler, Seneca, Tioga and Tompkins Counties Loan Jamaica Home First Grant Program Up to $15,000 in down payment and closing cost assistance First time homebuyers who meet requirements Grant New York City Down Payment and Closing Costs Up to $65,000 in down payment and closing cost assistance Homebuyers who meet income requirements Loan New York City HomeFirst Down-Payment Assistance Program Up to $40,000 in down payment and closing cost assistance First time homebuyers who meet income requirements and live in the home for 10 years Forgivable loan New York City NeighborhoodLIFT Program Up to $20,000 in down payment and closing cost assistance Homebuyers who meet income requirements Grant Oneonta Graduate to Homeownership Program Up to $15,000 in down payment and closing cost assistance First time homebuyers who have graduated from a college in the past 48 months and buy a home in Oneonta Loan Oswego Affordable Home Ownership Program Mortgage principle buy down and closing cost assistance - amount not specified First time homebuyers who meet income requirements and purchase a home within the city limits of Oswego Forgivable second mortgage Plattsburgh Home Ownership Program Up to $30,000 in down payment and closing cost assistance First time homebuyer who meets income requirements and purchase a home within the city limits of Plattsburgh Forgivable, deferred loan Niagara Falls First Time Homebuyer Grant Up to $2,500 in closing cost assistance First time homebuyer who meets income requirements and purchases a home in the city of Niagara Falls Grant Rochester Home Purchase Assistance Program Grant (HPAP) Up to $3,000 in down payment and closing cost assistance First time homebuyer must purchase a home within the city limits of Rochester and can meet the income requirements Grant Rochester Employer Assisted Housing Initiative Program Up to $3,000 in down payment and closing cost assistance First time homebuyer who is employed with a participating employer Grant Rochester HOME Rochester Up to $6,000 in down payment and closing cost assistance First time homebuyer who meets income requirements Grant Schenectady Second Mortgage Program Up to 10% of the purchase price that can be used for down payment and closing cost assistance First time homebuyers who meet income requirements and purchase a home within the city limits of Shenectady Loan with a 4% interest rate.

75% forgiven after 5 years.

Schenectady Homebuyer Assistance Grant Up to $54,380 in down payment, closing costs, and rehabiliation assistance First time homebuyers who meet income requirements and purchase a home within the city limits of Shenectady Grant Syracuse Homebuyers Assistance Program Up to $5,000 in home improvement assistance Homebuyers purchasing a home in the UNPA Target Area Grant Syracuse Home HeadQuarters Closing Cost Assistance Up to $4,000 in closing cost assistance First time homebuyers purchasing in Syracuse, or the counties of Onondaga, Oswego, Cayuga, Cortland, Madison, or Jefferson.

Forgivable loan Town of Union First Time Homebuyer Program Up to $5,000 in down payment and closing cost assistance First time homebuyer who meets income requirements and purchasing a home in Town of Union including Villages of Endicott and Johnson City Deferred loan Town of Tonawanda First-Time Homebuyers Program Up to $20,000 in closing cost assistance First time homebuyer who meets income requirements and purchases a home in the Town of Tonawanda, including the Village of Kenmore Deferred loan with a 0% interest rate Troy Homebuyer Incentive Program (HIP) Up to $20,000 in down payment and closing cost assistance First time homebuyer who meets income requirements and purchases a home in Troy Grant Utica West Utica Down Payment Assistance Up to $20,500 in down payment assistance First time homebuyer in West Utica Forgivable loan Talk to a local Redfin Agent Redfin Agents are local experts who can get you better results for lower fees.

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