Forgivable loan
City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)
First-time homebuyers · Income limits · single_family · condo · cooperative
Down payment assistance · Westchester County
Buying a home in New Rochelle, NY
2 New Rochelle programs, 2 county programs and 3 statewide.New Rochelle has 2 programs of its own, 2 more across Westchester 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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New Rochelle’s own programs
Forgivable loan
First-Time Homebuyer Down Payment Assistance Program
First-time homebuyers · Income limits · Single-family detached · Condominium · Townhouse
Anywhere in WestchesterAnywhere in Westchester County
2 county programs2 county programs a New Rochelle homebuyer can also use
The New Rochelle marketThe New Rochelle housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in New Rochelle
- 38.1% single-familysingle-family
- 4.2% townhousetownhouse
- 11.1% 2–4 units2–4 units
- 45.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.7% mobile & othermobile home & other
Condos count. All 4 of New Rochelle’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When New Rochelle’s homes were built
pre-19401970s2020+
75.9%
of New Rochelle 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.
$164,200
County area median income, 4 people (HUD)HUD area median income, Westchester County, 4-person household (2026)
$109,167
New Rochelle median household incomeMedian household income in New Rochelle (Census, 2024)
13 of the 69 programs here set their income limit as a share of Westchester County’s area median income, adjusted for household size. See the published limits for Westchester County
Free help nearbyFree help near New Rochelle
21 HUD-approved counseling agencies within 15 miles21 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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
New Rochelle questions
Does New Rochelle have its own down payment program?
Yes, 2: City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP) and First-Time Homebuyer Down Payment Assistance Program. Each is for homes inside New Rochelle.
Can I use assistance on a condo in New Rochelle?
All 4 of New Rochelle’s local and county programs accept condos. 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 Westchester County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Westchester 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 New Rochelle?
HUD-approved housing counseling agencies teach homebuyer classes, and 21 agencies are within 15 miles of New Rochelle. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
10801 · 10802 · 10804 · 10805
Nearby in Westchester
Sources
Sources: agency sites (June–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 (June–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.