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Through the City of Buffalo's Emergency Assistance Loan Programs and 50/50 Loan Program, loan funds are available to assist homeowners in need of making health and safety repairs, addressing building code violations, and making emergency repairs to leaking roofs, sewer line breaks, broken hot water tanks, inoperable furnaces, and faulty electrical service. Heart of the City Neighborhoods is able to assist homeowners in the Fruit Belt, West Side, Upper West Side, Lower West Side, Elmwood-Bidwell, Elmwood-Bryant, Allentown, Central, Masten Park, MLK Park, and Pratt Willert Planning Neighborhoods with applications. If you live in a different neighborhood, please contact the office to be referred to the organization that can assist you. You can also use this online tool to find the housing organization that serves your neighborhood: https://data.buffalony.gov/stories/s/8vh4-7acw

Provides homeowners in Buffalo and throughout Erie County with loans of up to $20,000 for home improvements and repairs. Loans are secured with a mortgage, have a simple 5.49% fixed interest rate, and are payable over the course of seven (7) years. Loan can be combined with other programs. The home repaired must be the homeowners' primary residence. The homeowner chooses the contractor for their home improvements/repairs, but the contractor must be insured and have proper certification.

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 a $20,000 loan at 1% interest with up to a $6,000 grant available to income-eligible homeowners residing in Onondaga County. Loan covers exterior, emergency or health and safety repairs, such as hot water tank replacement, roof replacement, windows and doors.

Provides home improvement grants of up to $1500-$3000 income eligible City of Syracuse homeowners for minor exterior home repairs.

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.

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

Offers homeowners loans of up to $25,000 at 1% interest, payable over 10 years, to be used for interior and exterior home improvements. Income-eligible residents may be eligible for a grant of up to $2,500 as part of their loan.

Focuses on helping individuals gain assets and become self-sufficient, improving the health and safety and energy efficiency measures in their home, and helping to develop and improve local businesses. Directly offers opportunities for home ownership and education, energy conservation through weatherization assessment, and renovation services. Also offers financial services such as budgeting along with homeownership, credit, bankruptcy, and foreclosure counseling.

Provides assistance to enrolled members of the Seneca Nation of Indians in emergency situations (i.e. loss of income, disability, loss of home etc.). These services include Minor Home Repair, Emergency Food from Pantry, and Home Energy Assistance Program (HEAP) applications.

Offers:Home Repair ProgramsManufactured Home Replacement ProgramsHome Ownership Programs

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

Provides grants of up to $15,000 to people ages 62 years and older and people with disabilities to help with health- and safety-related home repairs.

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

Provides eligible homeowners with a free energy assessment or energy audit. Assessments are conducted by a participating home performance contractor. Helps homeowners and renters of 1-4 unit family homes by providing a means to affordable energy efficient improvements and upgrades. Common work includes adding insulation, reducing drafts, and repairing or upgrading heating systems. Energy upgrades are eligible for low cost, low interest loans and incentives for income-eligible households. Income eligible households are eligible to receive a discount covering 50% of the cost of eligible energy efficiency improvements up to $4,000 per project for single-family homes. 2-4 unit residential homes with income-eligible residents may qualify for a discount of up to $8,000.

Offers homeowners loans of up to $10,000 at 3% interest, payable over 7 years, to be used for exterior home improvements. Eligible repairs include roof repair or replacement, exterior painting, step replacement, porch repair, window replacement, exterior door replacement, driveway repair, and fence installation and repair.

A comprehensive housing mobility program that assists participants in the Housing Choice Voucher (HCV) program with children move to designated opportunity areas of their choice in Erie and Niagara Counties. These areas have lower rates of poverty, violent crime, and unemployment, along with higher school rankings for a better quality of life for families. Mobility Coaches assist with finding housing in a well-resourced area, work with participants to develop family, vocational, and/or educational goals, and link participants with community resources to help them to meet these goals. MMP provides comprehensive support to tenants participating in the housing mobility program described above through the following secondary services:

• Financial assistance for moving expenses and security deposit for housing in designated opportunity areas
• One-hour workshops on housing search techniques, tenant rights and responsibilities, and basic financial skills
• Individual mobility counseling and support throughout the housing search process
• Assistance with completing the lease application and other required paperwork, as well as negotiations with the landlord
• Post-move support and check-ins provided by the mobility counselor
• Landlord/tenant liaison services and mediation services to resolve landlord-tenant conflicts

Grants of up to $5,000 are available to participating landlords for rental property improvements.

Necessary home repairs through grants to low income families, seniors, veterans and persons with disabilities for owner-occupied single-family homes. Distributed on a first-come, first-served basis. Does Not Cover Cortland County Residents Access to Home grant: helps frail elderly and people with disabilities make exterior and interior modifications to their homes, e.g., installation of ramps, lifts, handrails, expanded doorways for wheelchairs or walkers and adaptive modifications to kitchens and bathrooms. These grants are available to mobile home owners even if they do not own the property on which the home sits. Home grant: No age restrictions; covers a home's interior and exterior. Property is inspected; work is put out to bid to contractors on the approved contractor's list. Lengthy process, but homeowner rarely needs to pay anything. Also covers mobile home replacements for families who own the property on which their current mobile home sits. Gross annual income limits, depend on household size. Affordable Housing Corporation grant: No age restrictions. Bishop Sheen pays 60% of the cost of one major repair; homeowner or another agency pays the remaining 40%. Open to mobile home owners if they own the property on which the home sits.

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 $25,000 for emergency repairs, including but not limited to leaking roof, sewer backup, non-working furnace, and other safety issues and/or code violations.