Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)
Town of Amherst Planning Dept., Community Development Office (Amherst-Cheektowaga-Tonawanda HOME Consortium)
Up to $50,000
Forgivable loan · Forgiven over 15 yrs · Income limits
First-time
✓Verified Jun 2026
First Time Home Buyer Grant Program
Up to $20,000
Assistance grant · Forgiven over 5 yrs · Income limits
First-time
✓Verified Jun 2026
City of Buffalo First-Time Homebuyer Down Payment and Closing Cost Assistance Program
Buffalo Urban Renewal Agency (BURA) / City of Buffalo Office of Strategic Planning; intake via UDCDA, Matt Urban Human Services, Belmont Housing Resources, Buffalo Urban League
Up to $15,000
Forgivable loan · Forgiven over 5 yrs · Income limits
First-time
✓Verified Jun 2026
Down Payment & Closing Cost Plus (DPCC+)
Deferred
Deferred second loan · Forgiven over 5 yrs · Income limits
First-time
First-Time Homebuyer Assistance
Grant
Assistance grant · Forgiven over 5 yrs · Income limits
First-time
Across New York
1 program
SONYMA Achieving the Dream Program
State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR)
Up to $15,000
First mortgage · New construction · Income limits
First-timeVeterans
✓Verified Jun 2026
Federal
49 programs
American Pacific Mortgage 1% Home Program
0.02% of price
Assistance grant · Income limits
First-timeNationwide
American Pacific Mortgage Pathway DPA
Deferred
Deferred second loan · Forgiven over 3 yrs · Income limits
No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.
Is this free?+
Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.
Are these all the programs?+
We list active programs we've verified for Erie County and New York, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.
Can I use more than one?+
Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.
How current is this?+
We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.
Is Hey Prescott a lender?+
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.