NYS AHC Ulster County First-Time Homebuyer Grant
Forgivable loan · Forgiven over 20 yrs · Income limits
Down payment assistance · Ulster County
Buying a home in Saugerties South, NY
1 county program and 3 statewide.Saugerties South has no program of its own, 1 across Ulster 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Saugerties South
No program of Saugerties South’s own yet
No program run for Saugerties South alone is listed. A home in Saugerties South can use Ulster County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Kingston, about 10 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in UlsterAnywhere in Ulster County
1 county program1 county program a Saugerties South homebuyer can use
1 more program is for homes in Kingston. See them 1 program in neighboring cities — for homes inside those cities, not Saugerties South
- Kingston — City of Kingston First-Time Homebuyer Grant
The Saugerties South marketThe Saugerties South housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Saugerties South
- 71.8% single-familysingle-family
- 5.6% townhousetownhouse
- 15.1% 2–4 units2–4 units
- 7.5% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Saugerties South’s one local program does not list condos as eligible. NYS AHC Ulster County First-Time Homebuyer Grant lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Saugerties South’s homes were built
pre-19401970s2020+
82.5%
of Saugerties South 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.
$117,300
County area median income, 4 people (HUD)HUD area median income, Ulster County, 4-person household (2026)
$89,375
Saugerties South median household incomeMedian household income in Saugerties South (Census, 2024)
9 of the 66 programs here set their income limit as a share of Ulster County’s area median income, adjusted for household size. See the published limits for Ulster County
Free help nearbyFree help near Saugerties South
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Saugerties South’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.NYS AHC Ulster County First-Time Homebuyer 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Saugerties South questions
Does Saugerties South have its own down payment program?
No program run for Saugerties South alone is listed. A home in Saugerties South can use the 1 program that cover Ulster County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Saugerties South?
Saugerties South’s one local program does not list condos as eligible. NYS AHC Ulster County First-Time Homebuyer 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 Ulster County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Ulster 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 Saugerties South?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Saugerties South. Create a free account and take the 90-second match to see the ones near you.
Nearby in Ulster
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.