RUPCO/RDAC Orange County First-Time Homebuyer Grant
Forgivable loan · Forgiven over 10 yrs · Income limits
Single Family, Condo, Townhouse
See details Sep 2026
Down payment assistance · New York
Buying a home in Orange County, NY
1 county-wide program, plus 1 statewide and 62 nationwide.Orange has 1 program that covers the whole county. 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
Anywhere in OrangeAnywhere in Orange County
1 program for every Orange address1 program that covers every Orange address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Newburgh, Middletown or Kiryas Joel can use it. It is for first-time homebuyers and ask for a homebuyer class.
The Orange marketThe Orange housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Orange
- 61% single-familysingle-family
- 7.5% townhousetownhouse
- 11.6% 2–4 units2–4 units
- 17.9% 5+ unitscondo & apartment buildings (5+ units)
- 2% mobile & othermobile home & other
Condos count. The one county-wide program lists condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Orange’s homes were built
pre-19401970s2020+
55.8%
of Orange 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.
$125,900
HUD area median income, 4 people (FY2026)HUD area median income, Orange County, 4-person household (FY2026)
$97,178
Median household income (ACS 2024 5-year)Median household income in Orange (Census ACS 2024 5-year)
67.8%
of occupied homes are owner-occupied (New York: 54.3%)
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 Orange County’s area median income, adjusted for household size. See the published limits for Orange County
Free help in OrangeFree help in Orange
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Orange County
Orange’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.RUPCO/RDAC Orange County First-Time Homebuyer Grant 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
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Orange County.
39 cities and placesA to Z
All cities in Orange CountyAll 39 cities and places in Orange County
- Balmville
- Beaver Dam Lake
- Beaverdam Lake-Salisbury Mills
- Central Valley
- Chester
- Cornwall
- Eden
- Firthcliffe
- Florida
- Fort Montgomery
- Gardnertown
- Goshen
- Greenwood Lake
- Harriman
- Highland Falls
- Highland Mills
- Kiryas Joel
- Maybrook
- Mechanicstown
- Middletown
- Monroe
- Montgomery
- Mountain Lodge Park
- New Windsor
- Newburgh
- Orange Lake
- Otisville
- Pine Bush
- Port Jervis
- Scotchtown
- South Blooming Grove
- Vails Gate
- Walden
- Walton Park
- Warwick
- Washington Heights
- Washingtonville
- West Point
- Woodbury
Orange questions
Can I use a county program anywhere in Orange?
The 1 county-wide program cover homes anywhere in the county. City programs 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 Orange 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 Orange programs accept condos?
The one county-wide program lists condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Orange?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Orange County. 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.