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New York Down Payment and Homeownership Assistance


Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.

Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.
Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.

The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.

(Source: HUD.gov)

Statewide and Regional Programs

New York State Housing Finance/Mortgage Agencies (HFA/SONYMA)
New York State Division of Housing and Community Renewal (DCHR) – affordable housing resources
New York State resources on housing
New York City homebuying resources
US Department of Agriculture Rural Housing – homebuyer programs in rural communities
New York affiliates of Habitat for Humanity – through volunteer labor, builds and rehabilitates houses for families in need
New York State Association of REALTORS – affordable housing resources
Homeowner education programs – learn how to purchase and maintain a home of your own
Housing counseling
Community contacts – find out if your community offers homeownership assistance

Programs by City/Town

New York City
Long Island
Hudson Valley – Rockland, Westchester, Orange, Putnam, Dutchess, Ulster, Sullivan region
Upstate New York

New York City

New York City homebuying resources
Neighborhood Housing Services of New York City

Bronx

Neighborhood Housing Services – North Bronx
1178 East Gun Hill Road
Bronx, NY 10469
Phone: (718) 881-1180
Fax: (718) 881-1190

Neighborhood Housing Services – South Bronx
200 East 161st Street
Bronx, NY 10451
Phone: (718) 992-5979
Fax: (718) 992-6256

Brooklyn

Neighborhood Housing Services – Homeownership Center
306 West 37th Street, 12th Floor
New York, N.Y. 10018
Phone: (718) 230-7610
Fax: (718) 230-0032

Neighborhood Housing Services – Bedford Stuyvesant
1012 Gates Avenue, 2nd Floor
Brooklyn, NY 11221
Phone: (718) 919-2100
Fax: (718) 919-2725

Neighborhood Housing Services – East Flatbush
2806 Church Avenue
Brooklyn, NY 11226
Phone: (718) 469-4679
Fax: (718) 469-4743

Neighbors Helping Neighbors
443 39th Street, Suite 202
Brooklyn, NY 11232
Phone: (718) 686-7946
Fax: (718) 686-7948
Email

New York (Manhattan)

Asian Americans for Equality
129 Rivington Street
New York, NY 10002-6103
Phone: (212) 477-2265
Fax: (212) 477-2429
Email

Credit Where Credit Is Due
4211 Broadway
New York, NY 10033
Phone: (212) 927-5773
Email

Neighborhood Housing Services – Citywide
307 West 36th Street, 12th Floor
New York, NY 10018
Phone: (212) 519-2500

New York Mortgage Coalition
50 Broad Street
New York, NY 10004-2376
Phone: (212) 742-0762
Fax: (212) 474-1114
Email

Structured Employment Economic Development Corp. (Seedco)
915 Broadway
New York, NY 10010
Phone: (212) 473-0255
Fax: (212) 473-0357
Email

Queens

Neighborhood Housing Services – Jamaica
89-70 162nd Street
Jamaica, NY 11432
Phone: (718) 291-7400

Neighborhood Housing Services – Northern Queens
60-20 Woodside Avenue, 2nd Floor
Woodside, NY 11377
Phone: (718) 457-1017

Staten Island

Neighborhood Housing Services – Staten Island
1205 Castleton Avenue
Staten Island, NY 10310
Phone: (718) 442-8080

Long Island

Centereach

Community Development Corporation of Long Island
2100 Middle Country Road, Suite 300
Centereach, NY 11720
Phone: (631) 471-1215
Fax: (631) 471-3087
Email

Far Rockaway

Margert Community Corporation
325 Beach 37th Street
Far Rockaway, NY 11691-4103
Phone: (718) 471-3724
Fax: (718) 471-5342
Email

Hauppauge

Long Island Housing Partnership, Inc.
180 Oser Avenue
Hauppauge, NY 11788-3709
Phone: (631) 435-4710 x1
Fax: (631) 435-4751
Email

Patchogue

Economic Opportunity Council of Suffolk Inc.
475 East Main Street, Suite 206
Patchogue, NY 11772
Phone: (800) 300-4362
Toll-Free: (800) 300-4362
Fax: (631) 289-2178
Email

Hudson Valley
Kingston

Rural Ulster Preservation Company
289 Fair Street
Kingston, NY 12401
Phone: (845) 331-2140 x206
Fax: (845) 331-6217
Email

Mt. Vernon

Westchester Residential Opportunities, Inc.
144 North 5th Avenue
Mt. Vernon, NY 10550
Phone: (914) 668-4424

Monticello

Rural Sullivan Housing Corporation
6 Pelton Street
Monticello, NY 12701-1128
Phone: (845) 794-0348
Fax: (845) 794-3042
Email

Phoenicia

Sharp Committee, Inc.
98 Main Street
Phoenicia, NY 12464
Phone: (845) 688-5777
Fax: (845) 688-5007
Email

White Plains

Westchester Residential Opportunities, Inc.
470 Mamaroneck Avenue, Suite 410
White Plains, NY 10605-1830
Phone: (914) 428-4507
Fax: (914) 428-9455
Email

Yonkers

Westchester Residential Opportunities, Inc.
45 Ludlow Street
Yonkers, NY 10705
Phone: (914) 476-5510

Upstate New York

Albany

Affordable Housing Partnership
255 Orange Street
Albany, NY 12210
Phone: (518) 434-1730
Fax: (518) 434-1767
Email

Auburn

Cayuga County Homesite Development Corporation
60 Clark Street
Auburn, NY 13021-3343
Phone: (315) 253-8451 x229
Fax: (315) 255-6114
Email

Big Flats

Tri-County Housing Council
143 Hibbard Road
PO Box 451
Big Flats, NY 14814
Phone: (607) 562-2477
Fax: (607) 562-3856
Email

Buffalo

Belmont Shelter Corporation
1195 Main Street
Buffalo, NY 14209-2196
Phone: (716) 884-7791
Toll-Free: (800) 836-0335 Fax: (716) 884-8026
Email

Buffalo Urban League
15 East Genesee Street
Buffalo, NY 14203-1405
Phone: (716) 854-7625
Fax: (716) 854-8960
Email

West Side Neighborhood Housing Services, Inc.
359 Connecticut Street
Buffalo, NY 14213
Phone: (716) 885-2344 x15
Fax: (716) 885-2346
Email

Canandaigua

Canton

St. Lawrence County Housing Council
19 Main Street
Canton, NY 13617
Phone: (315) 386-8576
Fax: (315) 386-1564
Email

Cortland

Cortland Housing Assistance Council, Inc.
159 Main Street
Cortland, NY 13045
Phone: (607) 753-8271 x15
Fax: (607) 756-6267
Email

Elizabethtown

Housing Assistance Program of Essex County
2 Church Street
Elizabethtown, NY 12932
Phone: (518) 873-6888
Fax: (518) 873-9102
Email

Geneva

Community Unified Today, Incorporated
152 Genesee Street
PO Box 268
Geneva, NY 14456
Phone: (315) 781-0534
Toll Free: (877) 819-0534
Fax: (315) 781-6309
Email

Ithaca

Ithaca Neighborhood Housing Services, Inc.
115 West Clinton Street
Ithaca, NY 14850
Phone: (607) 277-4500
Fax: (607) 277-4536
Email

Lyons

Community Action In Self Help, Inc.
48 Water Street
Lyons, NY 14489-1244
Phone: (315) 946-6992
Fax: (315) 946-3314
Email

Morrisville

Community Action Program for Madison County
3 East Main Street
PO Box 249
Morrisville, NY 13408
Phone: (315) 684-3144 x12
Toll Free: (800) 721-2271
Fax: (315) 684-9650
Email

Niagara Falls

Center City Neighborhood Development Corp.
1824 Main Street
Niagara Falls, NY 14305-2661
Phone: (716) 282-3738
Fax: (716) 282-9607
Email

Norwich

Opportunities For Chenango, Inc.
44 West Main Street
PO Box 470
Norwich, NY 13815-1613
Phone: (607) 334-7114
Fax: (607) 336-6958
Email

Penn Yan

Keuka Housing Council
160 Main Street
Penn Yan, NY 14527
Phone: (315) 536-8707
Fax: (315) 536-6169
Email

Rochester

Bishop Sheen Ecumenical Housing Foundation
935 East Avenue, Suite 300
Rochester, NY 14607-2216
Phone: (585) 461-4263
Fax: (585) 461-5177
Email

NeighborWorks Rochester
570 South Avenue
Rochester, NY 14620-1345
Phone: (585) 325-4170
Fax: (585) 325-2587
Email

Schenectady

Better Neighborhoods, Inc.
986 Albany Street
Schenectady, NY 12307
Phone: (518) 372-6469
Fax: (518) 372-6460
Email

Stamford

Western Catskills Community Revitalization Council, Inc.
125 Main Street, Box A
Stamford, NY 12167
Phone: (607) 652-2823
Fax: (607) 652-2825
Email

Syracuse

Home HeadQuarters, Inc.
124 East Jefferson Street
Syracuse, NY 13202
Phone: (315) 474-1939 x235
Fax: (315) 474-0637

Housing Visions Unlimited, Inc.
1201 East Fayette Street
Syracuse, NY 13210-1923
Phone: (315) 472-3820
Fax: (315) 471-3921

Utica

UNHS NeighborWorks
1611 Genesee Street
Utica, NY 13501
Phone: (315) 724-4197 x226
Toll-Free: (866) 724-4197
Fax: (315) 724-1415
Email

Voorheesville

Albany County Rural Housing Alliance, Inc.
24 Martin Road
Voorheesville, NY 12186
Phone: (518) 765-2425
Fax: (518) 765-9014
Email