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Down payment assistance income limits in New York

61 down payment assistance programs in New York publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each New York county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in New York
CountyPublished4-person median
Albany2026$123,100
Allegany2026$86,700
Bronx2026$104,300
Broome2026$88,600
Cattaraugus2026$78,200
Cayuga2026$86,000
Chautauqua2026$78,900
Chemung2026$89,800
Chenango2026$83,500
Clinton2026$95,400
Columbia2026$116,800
Cortland2026$92,900
Delaware2026$83,200
Dutchess2026$125,900
Erie2026$101,500
Essex2026$94,200
Franklin2026$82,200
Fulton2026$81,100
Genesee2026$97,200
Greene2026$106,500
Hamilton2026$94,200
Herkimer2026$98,500
Jefferson2026$86,600
Kings2026$104,300
Lewis2026$83,700
Livingston2026$107,000
Madison2026$106,800
Monroe2026$107,000
Montgomery2026$95,500
Nassau2026$164,300
New York2026$104,300
Niagara2026$101,500
Oneida2026$98,500
Onondaga2026$106,800
Ontario2026$107,000
Orange2026$125,900
Orleans2026$107,000
Oswego2026$106,800
Otsego2026$90,900
Putnam2026$104,300
Queens2026$104,300
Rensselaer2026$123,100
Richmond2026$104,300
Rockland2026$128,800
Saint Lawrence2026$78,100
Saratoga2026$123,100
Schenectady2026$123,100
Schoharie2026$123,100
Schuyler2026$90,600
Seneca2026$96,800
Steuben2026$89,800
Suffolk2026$164,300
Sullivan2026$84,200
Tioga2026$88,600
Tompkins2026$118,000
Ulster2026$117,300
Warren2026$94,100
Washington2026$94,100
Wayne2026$107,000
Westchester2026$164,200
Wyoming2026$92,100
Yates2026$87,900

Published limits by program

Published income limits and purchase price caps by program in New York
ProgramIncome limitPrice cap
ADK Gateway Homeownership ProgramGlens Falls · Warren80% of area median income80% of Area Median Income for the Glens Falls Metro Area, effective June 1, 2025. By household size: 1=$56,000; 2=$64,000; 3=$72,000; 4=$80,000; 5=$86,400; 6=$92,800; 7=$99,200; 8=$105,600.$231,000
BCNI Homebuyer Assistance Program (Downpayment Assistance)Schenectady · Schenectady80% of area median incomeHousehold income must be at or below 80% of Area Median Income (HUD income limits apply).—
BCNI Homebuyer Assistance Program (Montgomery County)Amsterdam · Montgomery80% of area median incomeHUD 80% area median income limits apply—
Brookhaven HOME Down Payment Assistance ProgramBrookhaven · Suffolk80% of area median incomeHousehold income must be at or below 80% HUD Area Median Income for the Nassau-Suffolk HUD Metro FMR Area. 2025 80% AMI limits range approximately: 1-person $92,350; 2-person $105,550; 3-person $118,750; 4-person $131,900; 5-person $142,500; 6-person $153,050; 7-person $163,600; 8-person $174,150.$551,000
CDLI Down Payment and Closing Cost Assistance LoanNassau; Suffolk120% of area median incomeHousehold income no greater than 120% of HUD area median income based on family size; income of all household members counted$500,000
CDLI NYS First-Time Homebuyer Grant Program (Affordable Housing Corporation)Nassau; Suffolk120% of area median incomeHousehold gross income below 120% of HUD area median income based on family size; income of all household members counted—
CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)Westchester; Nassau; Suffolk; Dutchess110% of area median incomeTiered gross household income limits up to 110% AMI by county and family size (2025-2026). Example (Westchester, 4-person): $186,320 at 110% AMI / $136,000 at 80% AMI. Nassau-Suffolk 4-person: $180,850 at 110% / $131,900 at 80%. Dutchess 4-person: $134,850 at 110% / $98,400 at 80%.—
CHI First-Time Homebuyer Grant Program (SMART MOVE NY)Yonkers · Westchester110% of area median incomeWestchester County 2025-2026 maximum gross household income by family size and AMI tier. 4-person limits: $102,000 (60% AMI), $136,000 (80% AMI), $152,320 (90% AMI), $186,320 (110% AMI). Limits scale by household size 1-6.—
CHRIC / City of Dunkirk Down Payment and Closing Cost Assistance ProgramDunkirk · Chautauqua80% of area median incomeHousehold income at or below 80% of AMI; 1-person $49,600 | 2-person $56,650 | 3-person $63,750 | 4-person $70,800 | 5-person $76,500 | 6-person $82,150 | 7-person $87,800 | 8-person $93,500—
CHRIC / City of Jamestown Down Payment and Closing Cost Assistance ProgramJamestown · Chautauqua80% of area median incomeHousehold income at or below 80% of AMI; 1-person $49,600 | 2-person $56,650 | 3-person $63,750 | 4-person $70,800 | 5-person $76,500 | 6-person $82,150 | 7-person $87,800 | 8-person $93,500—
City of Auburn Mortgage Assistance Program (MAP)Auburn · CayugaSee programLow- to moderate-income; applicants must meet HUD income limits—
City of Buffalo First-Time Homebuyer Down Payment and Closing Cost Assistance ProgramBuffalo · Erie80% of area median income—
City of Elmira First-Time Homebuyer ProgramElmira · ChemungSee programLow- to moderate-income households per HUD limits (specific limits not published on administering-agency page)—
City of Kingston First-Time Homebuyer GrantKingston · Ulster80% of area median incomeGross income all sources: 1=$62,550; 2=$71,500; 3=$80,450; 4=$89,350; 5=$96,500; 6=$103,650; 7=$110,800; 8=$117,950.—
City of Lockport First-Time Homeownership ProgramLockport · Niagara80% of area median incomeNiagara County 80% limits: 1=$56,600; 2=$64,650; 3=$72,750; 4=$80,800; 5=$87,300; 6=$93,750; 7=$100,200; 8=$106,200.—
City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)New Rochelle · Westchester80% of area median income80% AMI (Westchester, June 1, 2026): 1=$88,100; 2=$100,700; 3=$113,300; 4=$125,850; 5=$135,950; 6=$146,000. Minimum income $40,000 all sizes.$661,000
City of Rochester Home Purchase Assistance Program (HPAP)Rochester · Monroe120% of area median incomeMedian family income below 120% as outlined by HUD.—
City of Rome Down Payment Assistance ProgramRome · Oneida80% of area median incomeHousehold income at or below 80% HUD AMI for Utica-Rome MSA: 1-person ~$49,250 to 4-person ~$92,800 (HUD FY2025).—
City of Schenectady H.O.M.E.S. Second Mortgage ProgramSchenectady · Schenectady80% of area median incomeHUD 80% Area Median Income limits for Schenectady County: 1-person $46,550; 2-person $53,200; 3-person $59,850; 4-person $66,500; 5-person $71,850; 6-person $77,150—
City of Troy's Homebuyer Incentive Program (HIP)Troy · Rensselaer80% of area median incomeHousehold income at or below 80% HUD AMI for Albany-Schenectady-Troy MSA: 1-person ~$66,000 to 4-person ~$124,450 (HUD FY2025).—
Closing Cost AssistanceSyracuse · Onondaga80% of area median incomeHousehold income at or below 80% HUD AMI for Syracuse MSA: 1-person ~$53,100 to 4-person ~$100,150 (HUD FY2025).$170,000
Closing Cost LoanRochester · Monroe80% of area median incomeHousehold income at or below 80% HUD AMI for Rochester MSA: ~$85,500 (single-person 80% threshold band) to $97,600 (4-person 80% threshold) per program guidelines (HUD FY2025).—
Cortland Housing Assistance Council First-Time Homebuyers ProgramCortlandSee programApplicants must meet AHC income guidelines (not published on the program page)—
Down Payment & Closing Cost Plus (DPCC+)Buffalo · Erie100% of area median incomeHousehold income at or below 80%-100% HUD AMI for Buffalo-Cheektowaga MSA: 1-person ~$46,800 to 4-person ~$124,450 (HUD FY2025).—
Dutchess County First-Time Homebuyer Grant ProgramPoughkeepsie · Dutchess$98,4002025-2026: $50,000 grant at 80% AMI = $98,400 for 4-person; $40,000 at 90% AMI = $110,250; $32,500 at 110% AMI = $134,850—
FHLBNY Homebuyer Dream Program (HDP) Suite80% of area median incomeHDP: at or below 80% AMI. HDP Plus (NY/NJ): over 80% up to 120% AMI. HDP Wealth Builder (NY/NJ): at or below 120% AMI plus majority-minority census tract or first-generation criteria.—
First Time Home Buyer Grant ProgramHamburg · Erie80% of area median incomeHousehold income must be at or below 80% HUD PY 2025 Area Median Income for the Buffalo-Cheektowaga-Niagara Falls MSA, adjusted by household size. 2025 80% AMI limits range approximately: 1-person $56,600; 2-person $64,650; 3-person $72,750; 4-person $80,800; 5-person $87,300; 6-person $93,750; 7-person $100,200; 8-person $106,700.$298,950
First Time Homebuyer Grant ProgramMultiple60% of area median incomeHousehold income must be at or below 80% HUD Area Median Income for the property's MSA. Limits vary by county and household size, ranging from approximately $65,604 (1-person, lower-AMI counties) up to $198,586 (8-person household in higher-AMI counties such as Nassau-Suffolk or Westchester). Current limits published by HUD annually.—
First-Time Home Ownership ProgramLockport · Niagara80% of area median incomeHousehold income at or below 80% HUD AMI for Buffalo-Cheektowaga-Niagara MSA: 1-person ~$54,250 to 4-person ~$102,300 (HUD FY2025).$314,000
First-Time Homebuyer AssistanceBuffalo · Erie80% of area median incomeHousehold income at or below 80% HUD AMI for Buffalo-Cheektowaga MSA: 1-person ~$52,000 to 4-person ~$98,050 (HUD FY2025).$286,000
First-Time Homebuyer Down Payment Assistance ProgramNew Rochelle · Westchester80% of area median incomeHousehold income must be between $40,000 and 80% of HUD Area Median Income for Westchester County, adjusted by household size. 2025 80% AMI limits range approximately: 1-person $76,300; 2-person $87,200; 3-person $98,100; 4-person $108,950; 5-person $117,700; 6-person $126,400; 7-person $135,100; 8-person $136,250.$601,000
First-Time Homebuyer ProgramBinghamton · Broome80% of area median incomeHousehold income at or below 80% HUD AMI for Binghamton MSA (Broome County): 1-person ~$49,700 to 4-person ~$93,700 (HUD FY2025).—
HAPEC Homebuyer Assistance ProgramClinton, Essex80% of area median incomeMust earn less than 80% of area median income. 2022 limits by household size - Clinton: 1=$45,000,2=$51,400,3=$57,850,4=$64,250,5=$69,400,6=$74,550,7=$79,700,8=$84,850. Essex: 1=$42,950,2=$49,100,3=$55,250,4=$61,350,5=$66,300,6=$71,200,7=$76,100,8=$81,000.—
Home Acquisition Program (HAP)Albany · Albany80% of area median incomeHousehold income at or below 80% HUD AMI for Albany-Schenectady-Troy MSA: 1-person ~$66,000 to 4-person ~$124,450 (HUD FY2025).$474,000
HOME First Time Home Buyer Grant ProgramAlbany80% of area median incomeHousehold income at or below 80% HUD AMI for Albany-Schenectady-Troy MSA: 1-person ~$66,000 to 4-person ~$124,450 (HUD FY2025).$252,000
Home HeadQuarters Closing Cost AssistanceSyracuse · Onondaga80% of area median incomeDeferred loan: gross household income below 80% AMI for the Syracuse MSA (also Onondaga, Oswego, Madison), OR property in a City of Syracuse NRSA. Repayable loan available regardless of income (3% rate below 80% AMI). 80% AMI 2026-2027: 1 $59,850; 4 $85,450; 8 $112,800.$150,000
HomeFirst Down Payment Assistance ProgramNew York City · Bronx, Kings, New York, Queens, Richmond120% of area median incomeMaximum household income up to 120% AMI (e.g., 1-person $136,080; 4-person $194,400; 8-person $256,680). Effective 6/01/24, per HUD.—
INHS Down Payment AssistanceIthaca · TompkinsSee programEligibility determined by household income limits and funder/underwriting requirements; moderate income. Limits vary by funding source.—
Long Island Housing Partnership Employer Assisted Housing Program (EAHP)Suffolk120% of area median incomeClients can earn up to 120% of Area Median Income by household size (Nassau/Suffolk AMI).—
Madison County Down Payment Assistance + Rehabilitation GrantMadison120% of area median incomeHousehold income at or below 120% HUD AMI for Madison County (Syracuse MSA): 1-person ~$55,800 to 4-person ~$128,700 (HUD FY2025; NYS AHODP threshold).—
Monroe County First-Time Homebuyer Direct Subsidy ProgramMonroe80% of area median incomeLow- to moderate-income first-time homebuyers up to 80% of Area Median Income; subsidy tiered by AMI band (30-70% vs 71-80%).—
Nassau County HOME Down Payment Assistance ProgramNassau80% of area median incomeGross annual household income may not exceed 80% of HUD area median by household size (as of 9/2024): 1=$87,500; 2=$100,000; 3=$112,500; 4=$124,950; 5=$134,950; 6=$144,950; 7=$154,950; 8+=$164,950. Includes all income (OT, bonuses, pensions, SS, 401k distributions, tips). A minimum household income (historically ~$30,000) is also required.$608,000
Neighbors of Watertown First Time Homebuyer ProgramWatertown · JeffersonSee programIncome limits apply and vary by funding source; collected via the homebuyer education registration (gross annual household income)—
NeighborWorks Community Partners Down Payment & Closing Cost AssistanceRochester · MonroeSee programEligibility for no-interest deferred conditional loans (or grants) depends on location and household income; limits vary by funding source and locality (Buffalo, Rochester, Niagara Falls, WNY).—
Niagara Falls First-Time Homebuyer Closing Cost GrantNiagara Falls · Niagara80% of area median incomeHousehold gross income may not exceed HUD 80% median limits (effective 5/1/26): 1 $56,850; 2 $65,000; 3 $73,100; 4 $81,200; 5 $87,700; 6 $94,200; 7 $100,700; 8 $107,200.—
NYS AHC Ulster County First-Time Homebuyer GrantKingston · UlsterSee programHousehold gross income limits (updated 9/16/25) by tier and size. $75,000 tier (1-8): $50,325-$94,912. $50,000 tier: $67,100-$126,550. $40,000 tier: $75,487-$142,368. $32,000 tier: $92,262-$174,005. $25,000 tier: $110,715-$208,806.—
OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)Oswego$82,800HUD FY2026 income limits (per OHDC): 1p $58,000; 2p $66,250; 3p $74,550; 4p $82,800; 5p $89,450; 6p $96,050.—
Onondaga County Community Development Home Ownership ProgramStatewide · Onondaga$95,700Gross income of all household members from all sources below the maximum; 2026 NYS AHC 112% of Low-Income limit. By size: 1=$67,000; 2=$76,600; 3=$86,200; 4=$95,700; 5=$103,400; 6=$111,000; 7=$118,700; 8=$126,300.—
PathStone Enterprise Center Closing Cost LoanRochester · MonroeSee programNo stated income limit in published program materials (open to moderate-income buyers bridging a closing cost gap)—
Rensselaer County Housing Resources Small Cities Homebuyer ProgramTroy · Rensselaer80% of area median income80% of HUD Area Median Income for Albany-Schenectady-Troy MSA (Rensselaer County limits)—
Reparative Housing Justice Fund (RHJF)Albany · Albany120% of area median incomeHousehold income between approximately $62,850 (1-person 80% AMI floor) and $118,500 (4-person 120% AMI cap) for Albany-Schenectady-Troy MSA.—
RUPCO/RDAC Orange County First-Time Homebuyer GrantWalden · Orange$158,0324-person max: $158,032; 1-person: $110,556; 2-person: $126,492; 3-person: $142,262; 5-person: $170,814; 6-person: $183,430; 7-person: $196,046; 8+: $208,662—
SONYMA Achieving the Dream ProgramStatewide$101,380Regional household income limits vary by county, household size (1-2 person vs. 3+ person), and target/non-target status. Effective for reservations accepted August 11, 2025 until further notice. Most upstate non-target counties: $88,160 (1-2 person) / $101,380 (3+ person). Examples (non-target 1-2 / 3+): Dutchess & Orange $98,400/$113,160; Albany/Rensselaer/Saratoga/Schenectady $92,880/$106,810; Bronx/Kings/NY/Queens/Richmond/Putnam/Rockland $155,520/$181,440; Westchester $163,200/$190,400; Nassau/Suffolk $158,300/$184,680. Higher limits in target areas.$544,230
Suffolk County HOME Consortium Down Payment Assistance Program for First-Time HomebuyersSuffolk80% of area median incomeGross annual household income may not exceed 80% of HUD area median income; 2024 limits by household size: 1-person $87,500; 2 $100,000; 3 $112,500; 4 $124,950; 5 $134,950; 6 $144,950; 7 $154,950; 8+ $164,950. Includes all income (overtime, bonuses, pensions, Social Security, 401-K distributions, tips, etc.).$551,000
Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)Amherst · Erie80% of area median incomeAt or below 80% of Erie County AMI (FY2026, eff. 6/1/2026): 1=$56,850; 2=$65,000; 3=$73,100; 4=$81,200; 5=$87,700; 6=$94,200; 7=$100,700; 8=$107,200. Income of all members 16+ counted per 24 CFR 5.609.$265,000
Town of Babylon HOME Down Payment Assistance ProgramBabylon · Suffolk80% of area median incomeMaximum gross annual household income (2026, size 1-8): $92,350 / $105,550 / $118,750 / $131,900 / $142,500 / $153,050 / $163,600 / $174,150.$599,000
Town of Colonie First Time Homebuyer ProgramColonie · Albany80% of area median incomeHousehold gross income cannot exceed 80% of AMI. By size (1-8): $66,000 / $75,400 / $84,850 / $94,250 / $101,800 / $109,350 / $116,900 / $124,450.—
Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance ProgramEast Hampton · SuffolkSee programMax combined household income up to $197,880 for a 1- or 2-person household, or up to $230,860 for a 3+ person household (tied to SONYMA income limits in effect on contract date).$1.9M
Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time HomebuyersSouthampton · SuffolkSee programMax gross annual household income: $184,680 for 1-2 persons; $215,460 for 3+ persons (100% of SONYMA non-target income limits for Suffolk County).$1.7M
UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation GrantUtica · Oneida112% of area median income112% of HUD Low Income Limits for Oneida County: 1-person $45,400; 2-person $52,000; 3-person $58,400; 4-person $64,900; 5-person $70,100; 6-person $75,300; 7-person $80,500; 8-person $85,700—
Westchester County Home Ownership InitiativeWhite Plains · Westchester80% of area median incomeGross household income at or below 80% of area median income by household size; specific dollar limits per 2025 Westchester AMI table—

Questions, answered

What are the income limits for down payment assistance in New York?

61 down payment assistance programs in New York publish an income limit, a purchase price cap, or both. 46 express the limit as a percentage of the area median income for the county where the home is, and 33 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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