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Provides down payment assistance to help East Buffalo residents purchase homes. Assistance is provided in the form of grants to help with the purchase of a 1-4 unit single family home, condominium unit, coop unit, or manufactured home. The DPAL + award will be sized to bring the applicants’ primary mortgage down to 80% of the loan to value of the home. The maximum award will not exceed $30,000 per applicant. The assistance may be used to pay for down payments, closing costs, and where necessary, a one-time Primary Mortgage Insurance payment. DPAL+ must be used in conjunction with a State of New York Mortgage Agency (SONYMA) mortgage, and will be offered through three SONYMA participating lenders: Premium Mortgage, M&T Bank, and First Priority Mortgage. 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.

Comprehensive training in purchasing a house for low- and moderate-income first-time home buyers, including: establishing good credit understanding home financing working with a realtor how house inspections work understanding documents signed at closingthrough traditional classroom setting; four weekly, two-hour sessions with guest speakers online through eHomeAmerica with videos and self-tests, enabling individuals to complete the program at home at his or her own paceOne-on-one counseling on topics from credit counseling to home maintenance.Residents of Cayuga, Chemung, Cortland, Schuyler, Seneca, Tioga, and Tompkins.Offers assistance with down payments; homebuyer education required.

Designed for first time home buyers, this program assists low/moderate-income persons into ownership with financial assistance through the use of grants to reduce the cost of the house to make it more affordable, do repairs to the house to ensure it meets code and housing quality standards, or both.

Provides assistance and funding of up to $20,000 to low-income owners in Jefferson County for the replacement of existing mobile homes with new, energy efficient modular units.

Offers subsidies to low- and moderate-income individuals for the purchase of homes renovated by the county.

* Offers down payment and closing cost assistance.* Assists with housing rehabilitation for owner-occupants of one to four family houses. Part of rehabilitation loan program House inspection and job cost estimate Written specifications and bid process Advisement in selection of contractors* Offers affordable loan financing and counseling for housing rehabilitation and home improvement loans for non-bankable owner-occupants.* Offers HUD-certified housing counselors on staff to offer free Foreclosure Prevention counseling.

Programs for eligible first time home buyers: subsidies to reduce closing costs and to rehabilitate the property after purchase applicant(s) obtain their own mortgage with a lending institution housing counseling for eligible applicants, such as pre-purchase and budget counseling

Provides grants to eligible low-to-moderate income first time homebuyers for down payments and closing cost assistance. Provides credit counseling and help in preparing to obtain a home loan.

Offers closing cost assistance of up to $4,000 for first-time, income eligible home buyers purchasing a home in Cayuga, Cortland, Jefferson, Madison, Onondaga, or Oswego counties. For City of Syracuse home buyers, assistance is available as a deferred loan (no repayment provided residency requirements are met). Outside the City of Syracuse, assistance is in the form of a low-interest loan.

Provides grant monies to assist first time homebuyers with their housing purchase of single-family homes within the City of Fulton. Provides up to $20,000 for closing costs and down payment.

Provides financial assistance to families buying a home in Jefferson County.

Provides down payment, closing costs, and repair assistance to income eligible individuals to purchase existing single-family homes in Lewis County.

Offers homebuyer grants and financing resources to help individuals become homeowners.

Provides down payment assistance to eligible first time homebuyers as well as home ownership counseling and foreclosure prevention.

* Offers financial coaching and planning.
* Provides homebuyer education.
* Participates with lenders to offer down payment assistance.

Provides up to $3,000 in assistance with closing costs through a loan that must be repaid for first time home buyers. Also offers HUD approved housing counseling including homebuyer counseling, reverse mortgage counseling to seniors, and foreclosure prevention programs.

Combines counseling and limited financial assistance for first time home purchase to eligible families and individuals purchasing their first home in the City of Elmira..

Offers grants to first time buyers that meet the income guidelines. The grant provides $8,000 to be used towards down payment and closing costs and are forgiven after 5 years.

Offers Nassau and Suffolk County residents information on first time home buying, down payments, closing cost assistance, competitive first time homebuyer mortgage products, and tips on how to negotiate with a seller. Call for additional information.

Provides eligible first time homebuyers with up to $39,000 towards down payment/closing costs towards the purchase of an eligible new or existing single-family home, provided that the applicant is income eligible and meets all program requirements. OPEN IN A FIRST-COME, FIRST SERVED BASIS UNTIL FUNDING HAS BEEN EXHAUSTED

Provides grants for the rehabilitation of owner-occupied homes located on the northeast side of the Village of Massena and grants for first time homebuyers in the Village of Massena.

Offers low and moderate income first-time home buyers assistance with home buying counseling, down payment, closing costs, etc.

Offers first time homebuyers assistance to cover down payment and/or closing costs plus rehabilitation expenses. Also offers pre-purchase and post-purchase education, as well as homeownership counseling.

Provides qualified homebuyers with grants of $25,000-$35,000 for the purchase of a one-family home, a condominium or a cooperative for owner-occupancy in Westchester or on Long Island.