Down payment assistance · New York
Buying a home in Cayuga County, NY
1 city with their own, plus 1 statewide and 62 nationwide.Cayuga has no program that covers the whole county and 1 city with a program of their own. On top of those, 1 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Only inside city limits
1 city with their own program1 Cayuga city with their own program
For a home inside that city.A city program is for a home inside that city.
The Cayuga marketThe Cayuga housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Cayuga
- 66.8% single-familysingle-family
- 1.7% townhousetownhouse
- 13.5% 2–4 units2–4 units
- 8.7% 5+ unitscondo & apartment buildings (5+ units)
- 9.3% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cayuga’s homes were built
71.4%
of Cayuga 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.
The two income figures measure different things. HUD’s area median income is the one programs use. 8 of the 64 programs here set their income limit as a share of Cayuga County’s area median income, adjusted for household size. See the published limits for Cayuga County
Free help in CayugaFree help in Cayuga
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Cayuga’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.City of Auburn Mortgage Assistance Program (MAP) 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.
Free account → 90-second match → your counselors · Sign in
7 cities and placesA to Z
All cities in Cayuga CountyAll 7 cities and places in Cayuga County
has a program of its own
Cayuga questions
Can I use a county program anywhere in Cayuga?
No program here is listed as covering all of Cayuga County. City programs, like Auburn’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Cayuga County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Cayuga programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Cayuga?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.