Deferred second loan
NeighborWorks Community Partners Down Payment & Closing Cost Assistance
First-time homebuyers · Income limits · Single Family · 2-4 Unit
Down payment assistance · Monroe County
Buying a home in Rochester, NY
4 Rochester programs, 1 county program and 3 statewide.Rochester has 4 programs of its own, 1 more across Monroe 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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Only for Rochester addresses
Rochester’s own programs
Repayable second loan
PathStone Enterprise Center Closing Cost Loan
Income limits · Single Family
Assistance grant
City of Rochester Home Purchase Assistance Program (HPAP)
First-time homebuyers · Income limits
Deferred second loan
Closing Cost Loan
First-time homebuyers · Income limits · Single-family detached · 2-family owner-occupied · Condominium
Anywhere in MonroeAnywhere in Monroe County
1 county program1 county program a Rochester homebuyer can also use
The Rochester marketThe Rochester housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Rochester
- 44% single-familysingle-family
- 5.8% townhousetownhouse
- 26% 2–4 units2–4 units
- 23.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Rochester’s homes were built
pre-19401970s2020+
87.3%
of Rochester 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.
$107,000
County area median income, 4 people (HUD)HUD area median income, Monroe County, 4-person household (2026)
$47,213
Rochester median household incomeMedian household income in Rochester (Census, 2024)
12 of the 70 programs here set their income limit as a share of Monroe County’s area median income, adjusted for household size. See the published limits for Monroe County
Free help nearbyFree help near Rochester
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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
Rochester questions
Does Rochester have its own down payment program?
Yes, 4: NeighborWorks Community Partners Down Payment & Closing Cost Assistance, PathStone Enterprise Center Closing Cost Loan, City of Rochester Home Purchase Assistance Program (HPAP) and Closing Cost Loan. Each is for homes inside Rochester.
Can I use assistance on a condo in Rochester?
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 Monroe County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Monroe 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 Rochester?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Rochester. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
14601 · 14602 · 14603 · 14604 · 14605 · 14606 · 14607 · 14608 · 14609 · 14610 · 14611 · 14612 · 14613 · 14614 · 14615 · 14616 · 14617 · 14618 · 14619 · 14620 · 14621 · 14622 · 14623 · 14624 · 14625 · 14626 · 14627 · 14638 · 14639 · 14642 · 14643 · 14644 · 14645 · 14646 · 14647 · 14649 · 14650 · 14651 · 14652 · 14653 · 14660 · 14664 · 14673 · 14683 · 14692 · 14694
Nearby in Monroe
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.