Brookhaven · Suffolk County
Brookhaven HOME Down Payment Assistance Program
Forgivable loan · 80% of area median income
Programs by loan typePrograms by loan type · New York
Down payment assistance you can pair with a conventional loan in New York
31 programs name conventional loans: 16 city, 15 county or regional.31 programs in New York name conventional loans among the first mortgages they can be paired with: 16 run by a city and 15 by a county or regional agency.
Two approvals, made separately. The lender underwrites the conventional loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the conventional loan; the assistance program reviews its own application. A program naming conventional means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 31 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in New York. Listed A–Z within each group, not ranked.
In a New York city 16 programs
For homes inside that city’s limits onlyDunkirk · Chautauqua County
CHRIC / City of Dunkirk Down Payment and Closing Cost Assistance Program
Forgivable loan · 80% of area median income
Jamestown · Chautauqua County
CHRIC / City of Jamestown Down Payment and Closing Cost Assistance Program
Forgivable loan · 80% of area median income
Auburn · Cayuga County
City of Auburn Mortgage Assistance Program (MAP)
Assistance grant
Elmira · Chemung County
City of Elmira First-Time Homebuyer Program
Forgivable loan
Rome · Oneida County
City of Rome Down Payment Assistance Program
Deferred second loan · 80% of area median income
Schenectady · Schenectady County
City of Schenectady H.O.M.E.S. Second Mortgage Program
Repayable second loan · 80% of area median income
Troy · Rensselaer County
City of Troy's Homebuyer Incentive Program (HIP)
Deferred second loan · 80% of area median income
In a county or region 15 programs
For homes anywhere in the county or the counties namedWarren County
ADK Gateway Homeownership Program
Assistance grant · 80% of area median income
Onondaga County
Closing Cost Assistance
Deferred second loan · 80% of area median income
Monroe County
Closing Cost Loan
Deferred second loan · 80% of area median income
Erie County
Down Payment & Closing Cost Plus (DPCC+)
Deferred second loan · 100% of area median income
Dutchess County
Dutchess County First-Time Homebuyer Grant Program
Assistance grant
Multiple County
First Time Homebuyer Grant Program
Forgivable loan · 60% of area median income
Albany County
HOME First Time Home Buyer Grant Program
Assistance grant · 80% of area median income
Madison County
Madison County Down Payment Assistance + Rehabilitation Grant
Assistance grant · 120% of area median income
Nationwide 54 programs · not in the 31
Nationwide: 54 more, not in the 3154 nationwide programs that also name conventional loans, each with its own area and eligibility rules
- America First Credit Union 100% No PMI Adjustable-Rate Mortgage
- American Pacific Mortgage 1% Home Program
- American Pacific Mortgage Pathway DPA
- BNY Down Payment Assistance
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Citibank, N.A. HomeRun Mortgage
- Confederated Tribes of Grand Ronde Down Payment Assistance
- CrossCountry Mortgage Community Promise
- CrossCountry Mortgage Smart Start Down Payment Assistance Program
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- First Bank Thrive Mortgage Loan
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 1% Down Program
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage Doctor and Medical Professionals Program
- Guild Mortgage MyPath2Own Program
- Guild Mortgage Zero Down Mortgage Program
- HSBC Bank USA CommunityWorks
- HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- NACA Homeownership through Public Housing Assistance (HOT-PHA)
- NACA's New Construction Homes
- NASA FCU $0 Down, No PMI Mortgage Purchase
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- Navy Federal Credit Union Homebuyers Choice Loan
- Navy Federal Credit Union Military Choice Loan
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Northpointe Bank ONE+ Loan Program
- Pathway Homes Essential Workers Program
- All nationwide programs →
What to know
What the 31 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 31 of 31
ask for a homebuyer education class.
- 30 of 31
are limited to first-time homebuyers, as each program defines it.
- 11 · 9 · 8
are forgivable loans, deferred second loans and assistance grants. The other 3 are 2 repayable second loans and 1 silent second.
Free help in New YorkFree help in New York
108 HUD-approved counseling agencies in New York108 HUD-approved housing counseling agencies in New York
All 31 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a conventional loan fit together.All 31 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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More of New York’s programs
Questions, answered
Can down payment assistance be used with a conventional loan in New York?
31 programs in New York name conventional loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming conventional loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–September 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.