OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)
Assistance grant · Income limits
Down payment assistance · Oswego County
Buying a home in Richland, NY
1 county program and 3 statewide.Richland has no program of its own, 1 across Oswego 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 Richland
No program of Richland’s own yet
No program run for Richland alone is listed. A home in Richland can use Oswego County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Rome, about 39 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in OswegoAnywhere in Oswego County
1 county program1 county program a Richland homebuyer can use
Income limits in Oswego County
How programs here set their income limits
$106,800
County area median income, 4 people (HUD)HUD area median income, Oswego County, 4-person household (2026)
9 of the 66 programs here set their income limit as a share of Oswego County’s area median income, adjusted for household size. See the published limits for Oswego County
Free help nearbyFree help near Richland
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Richland’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance) 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
Richland questions
Does Richland have its own down payment program?
No program run for Richland alone is listed. A home in Richland can use the 1 program that cover Oswego County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Richland?
Richland’s one local program does not list condos as eligible. OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance) 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 Oswego County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Oswego 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 Richland?
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
13144
Nearby in Oswego
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.