Down Payment & Closing Cost Plus (DPCC+)
Deferred second loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Erie County
Buying a home in Lake Erie Beach, NY
1 county program and 3 statewide.Lake Erie Beach has no program of its own, 1 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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What’s local to Lake Erie Beach
No program of Lake Erie Beach’s own yet
No program run for Lake Erie Beach alone is listed. A home in Lake Erie Beach can use Erie County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Hamburg, about 14 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 Lake Erie Beach 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 Lake Erie Beach
The Lake Erie Beach marketThe Lake Erie Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lake Erie Beach
- 96% single-familysingle-family
- 0% townhousetownhouse
- 0.8% 2–4 units2–4 units
- 0.7% 5+ unitscondo & apartment buildings (5+ units)
- 2.5% mobile & othermobile home & other
About condos. Lake Erie Beach’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.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lake Erie Beach’s homes were built
pre-19401970s2020+
86.5%
of Lake Erie Beach 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)
$59,968
Lake Erie Beach median household incomeMedian household income in Lake Erie Beach (Census, 2024)
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 Lake Erie Beach
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Lake Erie Beach’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
Lake Erie Beach questions
Does Lake Erie Beach have its own down payment program?
No program run for Lake Erie Beach alone is listed. A home in Lake Erie Beach 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 Lake Erie Beach?
Lake Erie Beach’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 Lake Erie Beach?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Erie
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.