Forgivable loan
Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Erie County
Buying a home in Amherst, NY
1 Amherst program, 1 county program and 3 statewide.Amherst has 1 program of its own, 1 more across Erie County, and 3 statewide. Here is what each one offers, and who near you can walk you through it.
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Only for Amherst addresses
Amherst’s own program
Anywhere in ErieAnywhere in Erie County
1 county program1 county program a Amherst homebuyer can also use
3 more programs are for homes in Hamburg and Buffalo. See them 3 programs in neighboring cities — for homes inside those cities, not Amherst
Income limits in Erie County
How programs here set their income limits
$101,500
County area median income, 4 people (HUD)HUD area median income, Erie County, 4-person household (2026)
11 of the 67 programs here set their income limit as a share of Erie County’s area median income, adjusted for household size. See the published limits for Erie County
Free help nearbyFree help near Amherst
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Amherst questions
Does Amherst have its own down payment program?
Yes, one: Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance), a forgivable loan for first-time homebuyers (forgiven over 15 yrs, income limits). It is for homes inside Amherst.
Can I use assistance on a condo in Amherst?
1 of Amherst’s 2 local and county programs accept condos. Down Payment & Closing Cost Plus (DPCC+) lists single-family detached and 2-family owner-occupied. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Erie County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Erie County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Amherst?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Amherst. Create a free account and take the 90-second match to see the ones near you.
Nearby in Erie
Sources
Sources: agency sites (July–September 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–September 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.