HOME First Time Home Buyer Grant Program
Assistance grant · Forgiven over 10 yrs · Income limits
Down payment assistance · Albany County
Buying a home in Cohoes, NY
2 county programs and 3 statewide.Cohoes has no program of its own, 2 across Albany 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 Cohoes
No program of Cohoes’s own yet
No program run for Cohoes alone is listed. A home in Cohoes can use Albany County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Troy, about 3 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in AlbanyAnywhere in Albany County
2 county programs2 county programs a Cohoes homebuyer can use
The Cohoes marketThe Cohoes housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cohoes
- 28.1% single-familysingle-family
- 7.1% townhousetownhouse
- 38.1% 2–4 units2–4 units
- 26.8% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. All 2 of Cohoes’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cohoes’s homes were built
pre-19401970s2020+
68.2%
of Cohoes 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.
$123,100
County area median income, 4 people (HUD)HUD area median income, Albany County, 4-person household (2026)
$61,145
Cohoes median household incomeMedian household income in Cohoes (Census, 2024)
11 of the 67 programs here set their income limit as a share of Albany County’s area median income, adjusted for household size. See the published limits for Albany County
Free help nearbyFree help near Cohoes
4 HUD-approved counseling agencies within 15 miles4 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
Cohoes questions
Does Cohoes have its own down payment program?
No program run for Cohoes alone is listed. A home in Cohoes can use the 2 programs that cover Albany County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cohoes?
All 2 of Cohoes’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 Albany County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Albany 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 Cohoes?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Cohoes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
12047
Nearby in Albany
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.