Deferred second loan
City of Rome Down Payment Assistance Program
First-time homebuyers · Income limits · Single-family detached · 2-family owner-occupied
Down payment assistance · Oneida County
Buying a home in Rome, NY
1 Rome program, 1 county program and 3 statewide.Rome has 1 program of its own, 1 more across Oneida 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 Rome addresses
Rome’s own program
Anywhere in OneidaAnywhere in Oneida County
1 county program1 county program a Rome homebuyer can also use
The Rome marketThe Rome housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Rome
- 56.4% single-familysingle-family
- 2.7% townhousetownhouse
- 18.5% 2–4 units2–4 units
- 20.1% 5+ unitscondo & apartment buildings (5+ units)
- 2.2% mobile & othermobile home & other
About condos. None of Rome’s 2 local and county programs list condos as eligible. City of Rome Down Payment Assistance Program lists single-family detached and 2-family owner-occupied. UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Rome’s homes were built
pre-19401970s2020+
81%
of Rome 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.
$98,500
County area median income, 4 people (HUD)HUD area median income, Oneida County, 4-person household (2026)
$59,925
Rome median household incomeMedian household income in Rome (Census, 2024)
11 of the 67 programs here set their income limit as a share of Oneida County’s area median income, adjusted for household size. See the published limits for Oneida County
Free help nearbyFree help near Rome
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency 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
Rome questions
Does Rome have its own down payment program?
Yes, one: City of Rome Down Payment Assistance Program, a deferred second loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Rome.
Can I use assistance on a condo in Rome?
None of Rome’s 2 local and county programs list condos as eligible. City of Rome Down Payment Assistance Program lists single-family detached and 2-family owner-occupied. UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation 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 Oneida County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Oneida 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 Rome?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Rome. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
13440 · 13441 · 13442 · 13449
Nearby in Oneida
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.