Forgivable loan
City of Buffalo First-Time Homebuyer Down Payment and Closing Cost Assistance Program
First-time homebuyers · Income limits · single_family · two_family · vacant_home
Down payment assistance · Erie County
Buying a home in Buffalo, NY
3 Buffalo programs and 3 statewide.Buffalo has 3 programs of its own, 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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Only for Buffalo addresses
Buffalo’s own programs
Deferred second loan
Down Payment & Closing Cost Plus (DPCC+)
First-time homebuyers · Income limits · Single-family detached · 2-family owner-occupied
Assistance grant
First-Time Homebuyer Assistance
First-time homebuyers · Income limits · Single-family detached · 2-family owner-occupied
Neighboring cities
2 programs for homes in nearby cities
The Buffalo marketThe Buffalo housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Buffalo
- 36.2% single-familysingle-family
- 3.3% townhousetownhouse
- 43.3% 2–4 units2–4 units
- 16.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
About condos. None of Buffalo’s 3 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Buffalo’s homes were built
pre-19401970s2020+
89.7%
of Buffalo 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.
$101,500
County area median income, 4 people (HUD)HUD area median income, Erie County, 4-person household (2026)
$50,041
Buffalo median household incomeMedian household income in Buffalo (Census, 2024)
12 of the 68 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 Buffalo
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Buffalo questions
Does Buffalo have its own down payment program?
Yes, 3: City of Buffalo First-Time Homebuyer Down Payment and Closing Cost Assistance Program, Down Payment & Closing Cost Plus (DPCC+) and First-Time Homebuyer Assistance. Each is for homes inside Buffalo.
Can I use assistance on a condo in Buffalo?
None of Buffalo’s 3 local and county programs list condos as eligible. 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. 12 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 Buffalo?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Buffalo. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
14201 · 14202 · 14203 · 14204 · 14205 · 14206 · 14207 · 14208 · 14209 · 14210 · 14211 · 14212 · 14213 · 14214 · 14215 · 14216 · 14217 · 14218 · 14219 · 14220 · 14221 · 14222 · 14223 · 14224 · 14225 · 14226 · 14227 · 14228 · 14231 · 14233 · 14240 · 14241 · 14260 · 14261 · 14263 · 14264 · 14265 · 14267 · 14269 · 14270 · 14272 · 14273 · 14276 · 14280
Nearby in Erie
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.