Forgivable loan
City of Lockport First-Time Homeownership Program
First-time homebuyers · Income limits · single_family
Down payment assistance · Niagara County
Buying a home in Lockport, NY
2 Lockport programs and 3 statewide.Lockport has 2 programs 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 Lockport addresses
Lockport’s own programs
Deferred second loan
First-Time Home Ownership Program
First-time homebuyers · Income limits · Single-family detached · 2-family owner-occupied
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Niagara Falls. See them 1 program in neighboring cities — for homes inside those cities, not Lockport
- Niagara Falls — Niagara Falls First-Time Homebuyer Closing Cost Grant
The Lockport marketThe Lockport housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lockport
- 56.7% single-familysingle-family
- 1.7% townhousetownhouse
- 24.4% 2–4 units2–4 units
- 16.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
About condos. None of Lockport’s 2 local and county programs list condos as eligible. City of Lockport First-Time Homeownership Program lists single_family. First-Time Home Ownership Program lists single-family detached and 2-family owner-occupied.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lockport’s homes were built
pre-19401970s2020+
87.5%
of Lockport 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, Niagara County, 4-person household (2026)
$62,410
Lockport median household incomeMedian household income in Lockport (Census, 2024)
11 of the 67 programs here set their income limit as a share of Niagara County’s area median income, adjusted for household size. See the published limits for Niagara County
Free help nearbyFree help near Lockport
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
Lockport questions
Does Lockport have its own down payment program?
Yes, 2: City of Lockport First-Time Homeownership Program and First-Time Home Ownership Program. Each is for homes inside Lockport.
Can I use assistance on a condo in Lockport?
None of Lockport’s 2 local and county programs list condos as eligible. City of Lockport First-Time Homeownership Program lists single_family. First-Time Home Ownership Program 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 Niagara County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Niagara 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 Lockport?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
14094 · 14095
Nearby in Niagara
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.