Deferred second loan
INHS Down Payment Assistance
First-time homebuyers · Income limits · Single Family · 2-4 Unit · Condo
Down payment assistance · Tompkins County
Buying a home in Ithaca, NY
1 Ithaca program and 3 statewide.Ithaca 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 Ithaca addresses
Ithaca’s own program
The Ithaca marketThe Ithaca housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ithaca
- 30.7% single-familysingle-family
- 5.9% townhousetownhouse
- 21% 2–4 units2–4 units
- 41.4% 5+ unitscondo & apartment buildings (5+ units)
- 1% mobile & othermobile home & other
Condos count. Ithaca’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ithaca’s homes were built
pre-19401970s2020+
65.4%
of Ithaca 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.
$118,000
County area median income, 4 people (HUD)HUD area median income, Tompkins County, 4-person household (2026)
$48,784
Ithaca median household incomeMedian household income in Ithaca (Census, 2024)
9 of the 66 programs here set their income limit as a share of Tompkins County’s area median income, adjusted for household size. See the published limits for Tompkins County
Free help nearbyFree help near Ithaca
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Ithaca’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.INHS Down Payment Assistance 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
Ithaca questions
Does Ithaca have its own down payment program?
Yes, one: INHS Down Payment Assistance, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Ithaca.
Can I use assistance on a condo in Ithaca?
Ithaca’s one local program accepts condos. 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 Tompkins County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Tompkins 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 Ithaca?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Ithaca. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
14850 · 14851 · 14852 · 14853
Nearby in Tompkins
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.