Assistance grant
Niagara Falls First-Time Homebuyer Closing Cost Grant
First-time homebuyers · Income limits · Single Family
Down payment assistance · Niagara County
Buying a home in Niagara Falls, NY
1 Niagara Falls program and 3 statewide.Niagara Falls has 1 program 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 Niagara Falls addresses
Niagara Falls’s own program
The Niagara Falls marketThe Niagara Falls housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Niagara Falls
- 60.3% single-familysingle-family
- 2.7% townhousetownhouse
- 23.6% 2–4 units2–4 units
- 11.7% 5+ unitscondo & apartment buildings (5+ units)
- 1.7% mobile & othermobile home & other
About condos. Niagara Falls’s one local program does not list condos as eligible. Niagara Falls First-Time Homebuyer Closing Cost Grant lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Niagara Falls’s homes were built
pre-19401970s2020+
92.3%
of Niagara Falls 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)
$49,101
Niagara Falls median household incomeMedian household income in Niagara Falls (Census, 2024)
10 of the 66 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 Niagara Falls
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Niagara Falls’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Niagara Falls First-Time Homebuyer Closing Cost Grant 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
Niagara Falls questions
Does Niagara Falls have its own down payment program?
Yes, one: Niagara Falls First-Time Homebuyer Closing Cost Grant, a assistance grant for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Niagara Falls.
Can I use assistance on a condo in Niagara Falls?
Niagara Falls’s one local program does not list condos as eligible. Niagara Falls First-Time Homebuyer Closing Cost Grant lists single family. 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. 10 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 Niagara Falls?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Niagara Falls. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
14301 · 14302 · 14303 · 14304 · 14305
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.