Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers
Forgivable loan · Forgiven over 10 yrs · Income limit 80% of AMI
Single Family, Condo, Co-op, Manufactured
See details Jul 2026
Down payment assistance · New York
Buying a home in Suffolk County, NY
2 county-wide programs, 4 cities with their own, plus 1 statewide and 62 nationwide.Suffolk has 2 programs that cover the whole county and 4 cities 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
Anywhere in SuffolkAnywhere in Suffolk County
2 programs for every Suffolk address2 programs that cover every Suffolk address
All 2 ask for a homebuyer class.These are run for the whole county, so a home in Babylon, Brookhaven or Southampton can use them. All 2 ask for a homebuyer class.
Long Island Housing Partnership Employer Assisted Housing Program (EAHP)
Forgivable loan · Income limit 120% of AMI
Single Family, Condo, Co-op
See details Jul 2026
AMI is HUD’s area median income for Suffolk, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
4 cities with their own program4 Suffolk cities with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
BabylonCity page Town of Babylon HOME Down Payment Assistance ProgramBrookhavenCity page Brookhaven HOME Down Payment Assistance ProgramEast HamptonCity page Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance ProgramSouthamptonCity page Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers
The Suffolk marketThe Suffolk housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Suffolk
- 79.7% single-familysingle-family
- 5.9% townhousetownhouse
- 4.7% 2–4 units2–4 units
- 8.4% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
Condos count. All 2 county-wide programs and all 4 city programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Suffolk’s homes were built
pre-19401970s2020+
68.3%
of Suffolk 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.
$164,300
HUD area median income, 4 people (FY2026)HUD area median income, Suffolk County, 4-person household (FY2026)
$130,686
Median household income (ACS 2024 5-year)Median household income in Suffolk (Census ACS 2024 5-year)
82.2%
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. 12 of the 69 programs here set their income limit as a share of Suffolk County’s area median income, adjusted for household size. See the published limits for Suffolk County
Free help in SuffolkFree help in Suffolk
11 HUD-approved counseling agencies with an office in the county11 HUD-approved housing counseling agencies with an office in Suffolk County
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.5 of the 6 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Suffolk County.
133 cities and placesA to Z
All cities in Suffolk CountyAll 133 cities and places in Suffolk County
has a program of its own
- Amagansett
- Amityville
- Aquebogue
- Babylon
- Baiting Hollow
- Bay Shore
- Bay Wood
- Bayport
- Bellport
- Blue Point
- Bohemia
- Brentwood
- Bridgehampton
- Brightwaters
- Brookhaven
- Calverton
- Center Moriches
- Centereach
- Centerport
- Central Islip
- Cold Spring Harbor
- Commack
- Copiague
- Coram
- Cutchogue
- Deer Park
- Dix Hills
- East Farmingdale
- East Hampton
- East Hampton North
- East Islip
- East Moriches
- East Northport
- East Patchogue
- East Quogue
- East Setauket
- East Shoreham
- Eastport
- Eatons Neck
- Elwood
- Farmingville
- Flanders
- Fort Salonga
- Gordon Heights
- Great River
- Greenlawn
- Greenport
- Greenport West
- Halesite
- Hampton Bays
- Hauppauge
- Head of the Harbor
- Holbrook
- Holtsville
- Huntington
- Huntington Bay
- Huntington Station
- Islandia
- Islip
- Islip Terrace
- Jamesport
- Kings Park
- Lake Grove
- Lake Ronkonkoma
- Laurel
- Lindenhurst
- Lloyd Harbor
- Manorville
- Mastic
- Mastic Beach
- Mattituck
- Medford
- Melville
- Middle Island
- Miller Place
- Montauk
- Moriches
- Mount Sinai
- Nesconset
- Nissequogue
- North Amityville
- North Babylon
- North Bay Shore
- North Bellport
- North Great River
- North Lindenhurst
- North Patchogue
- North Sea
- Northport
- Northville
- Northwest Harbor
- Noyack
- Oakdale
- Patchogue
- Port Jefferson
- Port Jefferson Station
- Remsenburg-Speonk
- Ridge
- Riverhead
- Riverside
- Rocky Point
- Ronkonkoma
- Sag Harbor
- Saint James
- Sayville
- Selden
- Setauket-East Setauket
- Shelter Island
- Shelter Island Heights
- Shinnecock Hills
- Shirley
- Smithtown
- Sound Beach
- South Huntington
- Southampton
- Southold
- Springs
- Stony Brook
- Terryville
- Tuckahoe
- Village of the Branch
- Wading River
- Water Mill
- West Babylon
- West Bay Shore
- West Hills
- West Islip
- West Sayville
- Westhampton
- Westhampton Beach
- Wheatley Heights
- Wyandanch
- Yaphank
Suffolk questions
Can I use a county program anywhere in Suffolk?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Babylon’s and Brookhaven’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 Suffolk 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 Suffolk programs accept condos?
All 2 county-wide programs and all 4 city programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Suffolk?
HUD-approved housing counseling agencies teach homebuyer classes, and 11 agencies have an office in Suffolk 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 (June–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.