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Provides funding to owners of 1-4 family homes to repair damage caused by Huricane Ida in 2021. Available Assistance: Reimbursement for the cost of repairs paid for and completed prior to IHRR application, Grants to repair remaining damage caused by the storm Reimbursement or grant funding for the cost of mitigation measures such as installing flood vents, or elevating electrical systems.

Provides HUD approved educational programs, grants for modest income individuals and families to purchase their first home. Assistance may also be available to income qualified homeowners to make home repairs. Operates 52 rental units for modest income families. Also provides outreach, including foreclosure counseling.

Provides energy conservation measures and health and safety measures which include: reducing fuel consumption and other minor repairs related to energy needs, appliance efficiency testing and replacement, heating system repair and replacement, and insulation installation.

Offers loans to help with home repairs. Applicants must own and occupy their residence and meet the income guidelines. The 0% or 3% loan can provide up to $10,000 in home repairs.

Offers economic development loans for commercial development/maintenance, housing rehabilitation loans for rental properties, and loans to help with water and sewer issues. Helps to identify other funding sources to help build the local business economy, including providing demographic and statistical data, identifying commercial sites and buildings, coordinating reviews and help with understanding and complying with local zoning and code laws.

Works with income-eligible households (homeowners, renters, and landlords) to improve the energy efficiency of the home (single family units, manufactured housing, and 1-4 building rental units). Considers weatherization efforts including insulation and air sealing; home heating sources, hot water tanks, carbon monoxide or smoke detectors, solar options and more, to ensure the health and safety of homes. Grants offered through New York State Energy Research and Development Authority (NYSERDA) for income-eligible households, referrals and assessment also available.

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

Offers emergency home repairs and repairs for owner occupied single family homes in order to help repair or replace water wells and septic systems. Repairs are for the health and safety of residents and structural integrity of the home.

Offers limited home repair grants for specific profile clients. Multiple grant conditions apply including that the home must be repairable. No emergency funds are available.

Services include housing rehabilitation assistance/housing rehabilitation referrals, First Time Homebuyer Down Payment, and Closing Cost Assistance.

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.

Provides loans to Buffalo and Erie County landlords to make emergency repairs or address code violations at their rental properties, including repairs related to windows and doors, furnace and electrical issues, sewer and plumbing issues, lead paint hazards, and more. Loans are available up to $25,000.00 at a current rate of 8.99% for qualified applicants.

Administers Section 8 rental assistance, first time homebuyer programs, and housing rehabilitation programs. Available for Section 8 participants is the Family Self-Sufficiency Program, which assists participants with obtaining employment and education opportunities while building financial capabilities. Develops quality affordable housing for individuals, families, seniors, and people with disability-based needs. Manages subsidized properties. HUD Certified Housing Counseling Agency provides home ownership and rental counseling, including pre-purchase, housing search assistance, financial education (consisting of budgeting, credit, banking, and goal setting), reverse mortgage, and mortgage default counseling. Individual Development Accounts: Offers matched savers programs to help save for Home Purchase, Education, and Small Business Development. Provides technical assistance to communities and other housing providers. Offers workshops for property owners on mold awareness, home repair, landlord/tenant rights and responsibilities, and lead-safe work practices. Staff provides affordable housing opportunities, referrals, and educational programs for tenants and landlords. Maintains listings of affordable apartments and Section 8 friendly apartments in WNY.

Provides funds available as full conditional grants, partial conditional grants, and no interest loans, based on applicant household income. The Buffalo Urban Renewal Agency (BURA) provides financial assistance to eligible homeowners in the City of Buffalo to support critical home repairs and improvements. This funding is designed to help preserve housing, improve living conditions, and promote neighborhood stability. Assistance is offered in the form of: - Full Conditional Grants – No repayment required if program terms are met. - Partial Conditional Grants – A portion may be forgiven, with the rest repaid under specific terms. - Zero-Interest Loans – Affordable loans with no interest and flexible repayment options. The type and amount of assistance available is based on several factors, including household income, property eligibility, and the specific requirements of the funding source. Priority is often given to low- to moderate-income residents and repairs that address health and safety concerns. Interested homeowners are encouraged to apply or contact BURA to learn more about current funding availability, eligibility criteria, and application procedures. 1.) Down Payment/Closing Cost Assistance Program Funding is available to assist first-time home-buyers with meeting closing costs and down payment expenses attributable to the purchase of a single-family home. Loan funds are provided at no interest as a conditional grant. No monthly or annual payments are required, but the amount provided must be repaid if the property is sold within the five-year regulatory period. 2.) Emergency Loan Assistance Program Funds repairs of a verified emergency condition such as an inoperable furnace, faulty electrical service, broken hot water tank, or break in the main water or sewer line. Loan funds are provided at no interest and partial conditional grants are available for all eligible applicants. The amount to be repaid will be based on household income. 3.) Owner-occupied Home Repair Program Funding from the City of Buffalo, NYS Housing and Community Renewal, and Affordable Housing Corporation is providing low-income homeowners with dollars to help with home repairs and make them more energy efficient. 4.) Target Focus Area Program Funds for code-related repairs are available to owner-occupant households who reside on Target streets. Loan funds are provided at no interest and partial conditional grants are available for all eligible applicants. The amount to be repaid will be based on household income. 5.) Roof Program Funds are available for repair of a severely deteriorated roof where water infiltration into the habitable area has been verified. 6.) 50/50 Program 50/50 Rehab Program offers income-eligible homeowners grants to fund up to 50% of their project cost in order to make needed home repairs. 7.) Vacant Rental Program (VRP) This program is designed to help rental property owners transform vacant, uninhabitable units into safe, high-quality, and affordable long-term rental homes within the City of Buffalo. 8.) Accessory Dwelling Unit Program (ADU) This program offers construction costs to build an Accessory Dwelling Unit. ADUs are small, self-contained living spaces usually made by converting an attic or basement, providing a flexible and affordable housing solution for family members or renters. This funding is available to property owners within the City of Buffalo who’s income falls below 120% AMI.

Provides financial assistance to homeowners with emergency home repairs including code violations and major system repairs. Awards will be made based on the actual repair needs of the home which may include any issues related to health and safety, as well as general system upgrades needed to comply with local codes, including replacement of systems that would extend the useful life of the property. A program administrator will come out to the home to help create a scope of work once an application is filled out and basic eligibility is determined. The maximum award amount under this program is $35,000; however, exceptions will be made when the repair is fundamental to health and safety of the dwelling, and the final award will be based on the approved scope of work. Homeowners who receive an award under this program will sign a 10-year regulatory agreement. The award will be forgiven on a declining balance amortization schedule, such that the full award will be fully forgiven if the homeowner remains in the home with a sale or refinance for the full 10 years.

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.

Provides up to $10,000 to assist low-income homeowners ages 60 years or older whose living conditions are hazaradous and pose a threat to life, health, or safety. Funding can be used towards heating systems repairs or replacement, electrical repairs or updates of electrical systems, plumbing repairs, structural repairs, and accessibility measures.

ACRHA offers several Home Repair Programs, such as: AHC Home Improvement Grant, Revolving Loan Fund, RESTORE, HOME Program, and USDA 504 Loan/Grant.

Offers homeowners loans of up to $10,000 at 1% interest, payable over 7 years, to be used for interior and exterior home improvements.

Offers 2 revolving loan products to help struggling homeowners. Home Save: Provides loans to homeowners to provide capital to bring unpaid mortgage payments current in order to prevent foreclosure. Better Home: Provides loans to homeowners to do needed repairs or renovations on the home they own or plan to purchase.

Provides income eligible Long Island homeowners with resources, deferred grants and low interest rate loans to make necessary repairs and improvements to their homes, based on need and as determined by CDCLI professional housing rehab specialists.

Provides a tax-exempt organization dedicated to building basic affordable housing with volunteer labor and donated or purchased materials for deserving, low-to-moderate income Nassau County residents. Produces the newsletter, Habitatler, and has a speakers bureau. NATIONAL HEADQUARTERS: Habitat for Humanity International, Americus, GA 31709-6935.

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.