Down payment assistance · New York

Buying a home in New York

63 programs: 3 statewide, the rest run by counties and 21 cities. What you can use depends on where the home is.63 programs across New York: 3 statewide, the rest run by counties and 21 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Suffolk	6	$578,400	$164,300	See Suffolk
Erie	5	$233,800	$101,500	See Erie
Monroe	5	$213,700	$107,000	See Monroe
Albany	4	$294,600	$123,100	See Albany
All 62 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July–September 2026.

Anywhere in New York

3 statewide programs

Up to $30,000

FHLBNY Homebuyer Dream Program (HDP) Suite

Assistance grant · Income limits · First-time

See details

Up to $15,000

SONYMA Achieving the Dream Program

First mortgage · New construction · Income limits · First-time · Veterans

See details

Up to $15,000

SONYMA Down Payment Assistance Loan (DPAL)

Forgivable loan · Forgiven over 10 yrs

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

108 HUD-approved counseling agencies in New York108 HUD-approved housing counseling agencies in New York

2 of the 3 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.2 of the 3 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in New YorkArea median income for all 62 counties, and the limit each program sets.See the limits

New York questions

What is FHLBNY Homebuyer Dream Program (HDP) Suite?

FHLBNY Homebuyer Dream Program (HDP) Suite, a assistance grant for first-time homebuyers (income limits), open anywhere in New York and run by Federal Home Loan Bank of New York (FHLBNY). Its page has the details and a link to the official site.

Which New York counties run their own programs?

25 counties of 62 have a county or city program listed, among them Suffolk, Erie, Monroe and Albany. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in New York?

Many programs ask for one. 2 of the 3 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a New York condo?

Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.