CHI First-Time Homebuyer Grant Program (SMART MOVE NY)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Westchester County
Buying a home in North Castle, NY
2 county programs and 3 statewide.North Castle has no program of its own, 2 across Westchester County, and 3 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to North Castle
No program of North Castle’s own yet
No program run for North Castle alone is listed. A home in North Castle can use Westchester County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is New Rochelle, about 17 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WestchesterAnywhere in Westchester County
2 county programs2 county programs a North Castle homebuyer can use
2 more programs are for homes in New Rochelle. See them 2 programs in neighboring cities — for homes inside those cities, not North Castle
- New Rochelle — City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)
- New Rochelle — First-Time Homebuyer Down Payment Assistance Program
Income limits in Westchester County
How programs here set their income limits
$164,200
County area median income, 4 people (HUD)HUD area median income, Westchester County, 4-person household (2026)
11 of the 67 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 North Castle
8 HUD-approved counseling agencies within 15 miles8 HUD-approved housing counseling agencies within 15 miles
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
North Castle questions
Does North Castle have its own down payment program?
No program run for North Castle alone is listed. A home in North Castle can use the 2 programs that cover Westchester County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in North Castle?
All 2 of North Castle’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. 11 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 North Castle?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of North Castle. Create a free account and take the 90-second match to see the ones near you.
Nearby in Westchester
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.