Deferred second loan
Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers
First-time homebuyers · New construction · Income limits · single_family · two_family · condo
Down payment assistance · Suffolk County
Buying a home in Southampton, NY
1 Southampton program, 2 county programs and 3 statewide.Southampton has 1 program of its own, 2 more across Suffolk 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 Southampton addresses
Southampton’s own program
Anywhere in SuffolkAnywhere in Suffolk County
2 county programs2 county programs a Southampton homebuyer can also use
3 more programs are for homes in Babylon, East Hampton and Brookhaven. See them 3 programs in neighboring cities — for homes inside those cities, not Southampton
- Babylon — Town of Babylon HOME Down Payment Assistance Program
- East Hampton — Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program
- Brookhaven — Brookhaven HOME Down Payment Assistance Program
The Southampton marketThe Southampton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Southampton
- 86.2% single-familysingle-family
- 4.2% townhousetownhouse
- 2.9% 2–4 units2–4 units
- 5.5% 5+ unitscondo & apartment buildings (5+ units)
- 1.2% mobile & othermobile home & other
Condos count. All 3 of Southampton’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Southampton’s homes were built
pre-19401970s2020+
43.3%
of Southampton 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.
$164,300
County area median income, 4 people (HUD)HUD area median income, Suffolk County, 4-person household (2026)
$214,032
Southampton median household incomeMedian household income in Southampton (Census, 2024)
11 of the 68 programs here set their income limit as a share of Suffolk County’s area median income, adjusted for household size. See the published limits for Suffolk County
Free help nearbyFree help near Southampton
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Southampton questions
Does Southampton have its own down payment program?
Yes, one: Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Southampton.
Can I use assistance on a condo in Southampton?
All 3 of Southampton’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 Suffolk County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Suffolk 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 Southampton?
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
11968 · 11969
Nearby in Suffolk
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.