OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)
Assistance grant · Income limits
Down payment assistance · Oswego County
Buying a home in Central Square, NY
1 county program and 3 statewide.Central Square has no program of its own, 1 across Oswego 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 Central Square
No program of Central Square’s own yet
No program run for Central Square alone is listed. A home in Central Square can use Oswego County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Auburn, about 32 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in OswegoAnywhere in Oswego County
1 county program1 county program a Central Square homebuyer can use
The Central Square marketThe Central Square housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Central Square
- 53.5% single-familysingle-family
- 3.2% townhousetownhouse
- 13.3% 2–4 units2–4 units
- 23% 5+ unitscondo & apartment buildings (5+ units)
- 6.9% mobile & othermobile home & other
About condos. Central Square’s one local program does not list condos as eligible. OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Central Square’s homes were built
pre-19401970s2020+
53.1%
of Central Square 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.
$106,800
County area median income, 4 people (HUD)HUD area median income, Oswego County, 4-person household (2026)
$69,500
Central Square median household incomeMedian household income in Central Square (Census, 2024)
9 of the 66 programs here set their income limit as a share of Oswego County’s area median income, adjusted for household size. See the published limits for Oswego County
Free help nearbyFree help near Central Square
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Central Square’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.OHDC First-Time Homebuyers Program (NYS HCR 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.
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Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Central Square questions
Does Central Square have its own down payment program?
No program run for Central Square alone is listed. A home in Central Square can use the 1 program that cover Oswego County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Central Square?
Central Square’s one local program does not list condos as eligible. OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance) lists single family. 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 Oswego County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Oswego 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 Central Square?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Central Square. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
13036
Nearby in Oswego
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.