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 an FHA loan in New York
30 programs name FHA loans: 16 city, 14 county or regional.30 programs in New York name FHA loans among the first mortgages they can be paired with: 16 run by a city and 14 by a county or regional agency.
Two approvals, made separately. The lender underwrites the FHA 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 FHA loan; the assistance program reviews its own application. A program naming FHA 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 30 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 14 programs
For homes anywhere in the county or the counties namedOnondaga 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
Onondaga County
Onondaga County Community Development Home Ownership Program
Silent second
Nationwide 33 programs · not in the 30
Nationwide: 33 more, not in the 3033 nationwide programs that also name FHA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- BluePoint Mortgage Zero-Down Home Loan
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Direct Mortgage Loans Go Direct FHA 100% Financing
- 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
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage MyPath2Own Program
- 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
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door
- U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- All nationwide programs →
What to know
What the 30 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.
- 30 of 30
ask for a homebuyer education class.
- 29 of 30
are limited to first-time homebuyers, as each program defines it.
- 11 · 9 · 7
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 30 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and an FHA loan fit together.All 30 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 an FHA loan in New York?
30 programs in New York name FHA 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 FHA 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.