INHS Down Payment Assistance
Deferred second loan · Income limits
Down payment assistance · Tompkins County
Buying a home in Cayuga Heights, NY
1 county program and 3 statewide.Cayuga Heights has no program of its own, 1 across Tompkins 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Cayuga Heights
No program of Cayuga Heights’s own yet
No program run for Cayuga Heights alone is listed. A home in Cayuga Heights can use Tompkins County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Elmira, about 30 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in TompkinsAnywhere in Tompkins County
1 county program1 county program a Cayuga Heights homebuyer can use
The Cayuga Heights marketThe Cayuga Heights housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cayuga Heights
- 59.3% single-familysingle-family
- 3.8% townhousetownhouse
- 10% 2–4 units2–4 units
- 26.9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Cayuga Heights’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cayuga Heights’s homes were built
pre-19401970s2020+
70.7%
of Cayuga Heights 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.
$118,000
County area median income, 4 people (HUD)HUD area median income, Tompkins County, 4-person household (2026)
$166,526
Cayuga Heights median household incomeMedian household income in Cayuga Heights (Census, 2024)
9 of the 66 programs here set their income limit as a share of Tompkins County’s area median income, adjusted for household size. See the published limits for Tompkins County
Free help nearbyFree help near Cayuga Heights
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Cayuga Heights’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.INHS Down Payment Assistance asks 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Cayuga Heights questions
Does Cayuga Heights have its own down payment program?
No program run for Cayuga Heights alone is listed. A home in Cayuga Heights can use the 1 program that cover Tompkins County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cayuga Heights?
Cayuga Heights’s one local program accepts 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 Tompkins County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Tompkins 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 Cayuga Heights?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Cayuga Heights. Create a free account and take the 90-second match to see the ones near you.
Nearby in Tompkins
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.