OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)
Assistance grant · Income limits
Single Family
See details Sep 2026
Down payment assistance · New York
Buying a home in Oswego County, NY
1 county-wide program, plus 1 statewide and 62 nationwide.Oswego 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 OswegoAnywhere in Oswego County
1 program for every Oswego address1 program that covers every Oswego address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Oswego, Fulton or Volney can use it. It is for first-time homebuyers and ask for a homebuyer class.
The Oswego marketThe Oswego housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Oswego
- 68.3% single-familysingle-family
- 1.8% townhousetownhouse
- 10% 2–4 units2–4 units
- 7% 5+ unitscondo & apartment buildings (5+ units)
- 12.9% 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 Oswego’s homes were built
pre-19401970s2020+
60.8%
of Oswego 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
HUD area median income, 4 people (FY2026)HUD area median income, Oswego County, 4-person household (FY2026)
$69,183
Median household income (ACS 2024 5-year)Median household income in Oswego (Census ACS 2024 5-year)
73.4%
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 Oswego County’s area median income, adjusted for household size. See the published limits for Oswego County
Free help in OswegoFree help in Oswego
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Oswego County
Oswego’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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Oswego County.
10 cities and placesA to Z
All cities in Oswego CountyAll 10 cities and places in Oswego County
Oswego questions
Can I use a county program anywhere in Oswego?
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 Oswego 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 Oswego 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 Oswego?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Oswego 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.