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SONYMA FHA Plus Program is sponsored by State of New York Mortgage Agency (SONYMA). The SONYMA FHA Plus program allows eligible home buyers to combine down payment assistance with an FHA loan for a primary residence. It provides funds to cover both the down payment, the up-front mortgage insurance premium (MIP) payment, and closing costs.
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State of New York Mortgage Agency (SONYMA) | Homes and Community Renewal State of NY Mortgage Agency (SONYMA) SONYMA offers low-interest mortgage loans and programs to help qualified buyers purchase their first home. Your Path to Homeownership Starts Here Making Your First Home a Reality The State of New York Mortgage Agency (SONYMA) offers low-interest mortgage loans and programs to help qualified buyers purchase their first home.
SONYMA provides access to affordable homeownership by removing many of the barriers faced by first-time homebuyers. From increasing your understanding of the homebuying process, to helping secure funds for a down payment, SONYMA is with you every step of the way. Begin Your Journey with SONYMA Preparation & Eligibility Check your eligibility and learn what you’ll need to get started.
Programs & Add-On Features Explore programs and add-on features that make your first home more affordable. Let us guide you through the homebuying process from start to finish. Participating SONYMA Lenders Find lenders in your area who are familiar with SONYMA products and programs.
Check Rates and Eligibility See a list of interest rates available through SONYMA programs. Income and Purchase Price Guidelines SONYMA sets income and home price limits based on program, property type, and region. Choose the program and region where you want to buy to see which limits apply to you.
Achieving the Dream Program Get the lowest interest rates available through SONYMA with the Achieving the Dream Program. This 30-year fixed mortgage offers low fees, flexible down payment options, and can be combined with other grants or subsidies.
Learn About Achieving the Dream Low Interest Rate Program Use this program to buy a home with a lower down payment requirement, including 1-4 family homes, condos, co-ops, and manufactured homes. This 30-year fixed-rate mortgage offers competitive interest rates and down payment assistance.
Explore the Low Interest Rate Program Down Payment Assistance Loan (DPAL) Add this loan to any SONYMA mortgage program to help cover your down payment, closing costs, and/or mortgage insurance. This 0% interest loan can lower your monthly payments and make buying your first home more affordable.
Get Down Payment Assistance All Programs & Add-On Features SONYMA offers low-cost, fixed-rate mortgages with low down payment requirements to help make buying a home more affordable. Optional add-on features provide extra support, including down payment assistance and funds for repairing or remodeling your new home.
SONYMA Programs & Add-Ons The Benefits of Homebuying Counseling SONYMA partners with nonprofit housing counseling agencies across New York to help you through the homebuying process. They offer online classes, workshops, and one-on-one counseling. Learn about money management, credit monitoring, preparing for homeownership, and preventing foreclosure.
Call 1-800-382-4663 or connect with the SONYMA team online. You can also contact a participating lender to learn more about your next steps. SONYMA does not take loan applications or service loans directly.
Join our bi‑monthly calls to learn about SONYMA programs or attend an in‑person event for helpful information. Paying Off Your SONYMA Mortgage Get answers to common questions about your SONYMA loan. Learn how to request a payoff statement, what happens after you pay off your mortgage, and where to get help if you have problems.
Frequently asked questions to help you manage your SONYMA loan. Homeownership Professionals Lender and Servicer Information Become a SONYMA Participating Lender Learn how you can help first-time homebuyers with our programs. Seller's Guide and Programs Become a Participating Lender Find important information for SONYMA Participating Lenders and Servicers, and access our automated underwriting system.
Home builders can market their homes with SONYMA mortgages and incentives. Learn About Builder Resources SONYMA Properties for Sale View a list of properties for sale that are currently owned by SONYMA. For details about a specific home, please contact the listed servicer or realtor.
Explore SONYMA Properties Scroll back to the top of the page
According to the current listing, eligibility includes: Both first-time and previous homebuyers in New York who meet SONYMA's income and credit score requirements (generally at least 600 credit score). Confirm the full requirements in the official notice before applying.
SONYMA FHA Plus Program is funded by State of New York Mortgage Agency (SONYMA). Verify program details on the funder's official page before applying.
This opportunity targets applicants in New York. If your organization operates elsewhere, check the official notice for location requirements.
Applications go through the funder's official portal — the Apply Now link on this page goes there directly.
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