Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Suffolk County
Buying a home in Brightwaters, NY
2 county programs and 3 statewide.Brightwaters has no program of its own, 2 across Suffolk County, and 3 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Brightwaters
No program of Brightwaters’s own yet
No program run for Brightwaters alone is listed. A home in Brightwaters can use Suffolk County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Babylon, about 4 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in SuffolkAnywhere in Suffolk County
2 county programs2 county programs a Brightwaters homebuyer can use
4 more programs are for homes in Babylon, East Hampton, Brookhaven and Southampton. See them 4 programs in neighboring cities — for homes inside those cities, not Brightwaters
- Babylon — Town of Babylon HOME Down Payment Assistance Program
- East Hampton — Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program
- Brookhaven — Brookhaven HOME Down Payment Assistance Program
- Southampton — Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers
The Brightwaters marketThe Brightwaters housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Brightwaters
- 96.7% single-familysingle-family
- 0.6% townhousetownhouse
- 1.3% 2–4 units2–4 units
- 1.4% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. All 2 of Brightwaters’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Brightwaters’s homes were built
pre-19401970s2020+
89.1%
of Brightwaters homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$164,300
County area median income, 4 people (HUD)HUD area median income, Suffolk County, 4-person household (2026)
$218,000
Brightwaters median household incomeMedian household income in Brightwaters (Census, 2024)
11 of the 67 programs here set their income limit as a share of Suffolk County’s area median income, adjusted for household size. See the published limits for Suffolk County
Free help nearbyFree help near Brightwaters
10 HUD-approved counseling agencies within 15 miles10 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
Brightwaters questions
Does Brightwaters have its own down payment program?
No program run for Brightwaters alone is listed. A home in Brightwaters can use the 2 programs that cover Suffolk County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Brightwaters?
All 2 of Brightwaters’s local and county programs accept condos. 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 Suffolk County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Suffolk 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 Brightwaters?
HUD-approved housing counseling agencies teach homebuyer classes, and 10 agencies are within 15 miles of Brightwaters. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
11718
Nearby in Suffolk
Sources
Sources: agency sites (July–September 2026), Census ACS 2024 5-year, 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). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.