Assistance grant
First Time Home Buyer Grant Program
First-time homebuyers · Income limits · Single-family detached
Down payment assistance · Erie County
Buying a home in Hamburg, NY
1 Hamburg program, 1 county program and 3 statewide.Hamburg has 1 program of its own, 1 more across Erie 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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Only for Hamburg addresses
Hamburg’s own program
Anywhere in ErieAnywhere in Erie County
1 county program1 county program a Hamburg homebuyer can also use
3 more programs are for homes in Amherst and Buffalo. See them 3 programs in neighboring cities — for homes inside those cities, not Hamburg
The Hamburg marketThe Hamburg housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hamburg
- 71.9% single-familysingle-family
- 0.5% townhousetownhouse
- 16.4% 2–4 units2–4 units
- 11% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
About condos. None of Hamburg’s 2 local and county programs list condos as eligible. First Time Home Buyer Grant Program lists single-family detached. Down Payment & Closing Cost Plus (DPCC+) lists single-family detached and 2-family owner-occupied.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hamburg’s homes were built
pre-19401970s2020+
83.1%
of Hamburg 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.
$101,500
County area median income, 4 people (HUD)HUD area median income, Erie County, 4-person household (2026)
$112,292
Hamburg median household incomeMedian household income in Hamburg (Census, 2024)
11 of the 67 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 Hamburg
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
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Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Hamburg questions
Does Hamburg have its own down payment program?
Yes, one: First Time Home Buyer Grant Program, a assistance grant for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Hamburg.
Can I use assistance on a condo in Hamburg?
None of Hamburg’s 2 local and county programs list condos as eligible. First Time Home Buyer Grant Program lists single-family detached. 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. 11 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 Hamburg?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Hamburg. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
14075
Nearby in Erie
Sources
Sources: agency sites (June–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 (June–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.