Down Payment & Closing Cost Plus (DPCC+)
Deferred second loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Erie County
Buying a home in Grand Island, NY
1 county program and 3 statewide.Grand Island has no program of its own, 1 across Erie County, and 3 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Grand Island
No program of Grand Island’s own yet
No program run for Grand Island alone is listed. A home in Grand Island can use Erie County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Niagara Falls, about 6 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ErieAnywhere in Erie County
1 county program1 county program a Grand Island homebuyer can use
4 more programs are for homes in Amherst, Hamburg and Buffalo. See them 4 programs in neighboring cities — for homes inside those cities, not Grand Island
Income limits in Erie County
How programs here set their income limits
$101,500
County area median income, 4 people (HUD)HUD area median income, Erie County, 4-person household (2026)
10 of the 66 programs here set their income limit as a share of Erie County’s area median income, adjusted for household size. See the published limits for Erie County
Free help nearbyFree help near Grand Island
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
Grand Island’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Down Payment & Closing Cost Plus (DPCC+) 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
Grand Island questions
Does Grand Island have its own down payment program?
No program run for Grand Island alone is listed. A home in Grand Island can use the 1 program that cover Erie County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Grand Island?
Grand Island’s one local program does not list condos as eligible. Down Payment & Closing Cost Plus (DPCC+) lists single-family detached and 2-family owner-occupied. 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 Erie County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Erie 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 Grand Island?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Grand Island. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
14072
Nearby in Erie
Sources
Sources: agency sites (July–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.