BCNI Homebuyer Assistance Program (Montgomery County)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Montgomery County
Buying a home in Fort Plain, NY
1 county program and 3 statewide.Fort Plain has no program of its own, 1 across Montgomery County, 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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What’s local to Fort Plain
No program of Fort Plain’s own yet
No program run for Fort Plain alone is listed. A home in Fort Plain can use Montgomery County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Schenectady, about 36 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MontgomeryAnywhere in Montgomery County
1 county program1 county program a Fort Plain homebuyer can use
The Fort Plain marketThe Fort Plain housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fort Plain
- 50.3% single-familysingle-family
- 3.7% townhousetownhouse
- 25.8% 2–4 units2–4 units
- 8.4% 5+ unitscondo & apartment buildings (5+ units)
- 11.8% mobile & othermobile home & other
About condos. Fort Plain’s one local program does not list condos as eligible. BCNI Homebuyer Assistance Program (Montgomery County) lists single family and 2-4 unit.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fort Plain’s homes were built
pre-19401970s2020+
88.1%
of Fort Plain 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.
$95,500
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
$34,738
Fort Plain median household incomeMedian household income in Fort Plain (Census, 2024)
10 of the 66 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Fort Plain
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Fort Plain’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.BCNI Homebuyer Assistance Program (Montgomery County) 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
Fort Plain questions
Does Fort Plain have its own down payment program?
No program run for Fort Plain alone is listed. A home in Fort Plain can use the 1 program that cover Montgomery County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Fort Plain?
Fort Plain’s one local program does not list condos as eligible. BCNI Homebuyer Assistance Program (Montgomery County) 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 Montgomery County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Montgomery 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 Fort Plain?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
13339
Nearby in Montgomery
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.