Forgivable loan
CHRIC / City of Dunkirk Down Payment and Closing Cost Assistance Program
First-time homebuyers · Income limits · Single Family · 2-4 Unit
Down payment assistance · Chautauqua County
Buying a home in Dunkirk, NY
1 Dunkirk program and 3 statewide.Dunkirk has 1 program of its own, and 3 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Dunkirk addresses
Dunkirk’s own program
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Jamestown. See them 1 program in neighboring cities — for homes inside those cities, not Dunkirk
- Jamestown — CHRIC / City of Jamestown Down Payment and Closing Cost Assistance Program
The Dunkirk marketThe Dunkirk housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Dunkirk
- 65.2% single-familysingle-family
- 2.6% townhousetownhouse
- 23% 2–4 units2–4 units
- 9.2% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Dunkirk’s one local program does not list condos as eligible. CHRIC / City of Dunkirk Down Payment and Closing Cost Assistance Program lists single family and 2-4 unit.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Dunkirk’s homes were built
pre-19401970s2020+
90.1%
of Dunkirk 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.
$78,900
County area median income, 4 people (HUD)HUD area median income, Chautauqua County, 4-person household (2026)
$53,299
Dunkirk median household incomeMedian household income in Dunkirk (Census, 2024)
10 of the 66 programs here set their income limit as a share of Chautauqua County’s area median income, adjusted for household size. See the published limits for Chautauqua County
Free help nearbyFree help near Dunkirk
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Dunkirk’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.CHRIC / City of Dunkirk Down Payment and Closing Cost Assistance Program 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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Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Dunkirk questions
Does Dunkirk have its own down payment program?
Yes, one: CHRIC / City of Dunkirk Down Payment and Closing Cost Assistance Program, a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Dunkirk.
Can I use assistance on a condo in Dunkirk?
Dunkirk’s one local program does not list condos as eligible. CHRIC / City of Dunkirk Down Payment and Closing Cost Assistance Program lists single family and 2-4 unit. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Chautauqua County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Chautauqua County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Dunkirk?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Dunkirk. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
14048
Nearby in Chautauqua
Sources
Sources: agency sites (July–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.