Forgivable loan
HomeFirst Down Payment Assistance Program
First-time homebuyers · Income limits
Down payment assistance · New York County
Buying a home in New York City, NY
1 New York City program and 3 statewide.New York City has 1 program of its own, and 3 statewide. Here is what each one offers, and who near you can walk you through it.
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Only for New York City addresses
New York City’s own program
Income limits in New York County
How programs here set their income limits
$104,300
County area median income, 4 people (HUD)HUD area median income, New York County, 4-person household (2026)
10 of the 66 programs here set their income limit as a share of New York County’s area median income, adjusted for household size. See the published limits for New York County
Free help nearbyFree help near New York City
50 HUD-approved counseling agencies within 15 miles50 HUD-approved housing counseling agencies within 15 miles
New York City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.HomeFirst Down Payment Assistance Program asks 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 York City questions
Does New York City have its own down payment program?
Yes, one: HomeFirst Down Payment Assistance Program, a forgivable loan for first-time homebuyers (income limits). It is for homes inside New York City.
Can I use assistance on a condo in New York City?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in New York County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for New York 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 York City?
HUD-approved housing counseling agencies teach homebuyer classes, and 50 agencies are within 15 miles of New York City. Create a free account and take the 90-second match to see the ones near you.
Nearby in New York
Sources
Sources: agency sites (July–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.