Deferred second loan
Home HeadQuarters Closing Cost Assistance
First-time homebuyers · Income limits · Single Family · 2-4 Unit
Down payment assistance · Onondaga County
Buying a home in Syracuse, NY
2 Syracuse programs, 1 county program and 3 statewide.Syracuse has 2 programs of its own, 1 more across Onondaga 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 Syracuse addresses
Syracuse’s own programs
Deferred second loan
Closing Cost Assistance
First-time homebuyers · Income limits · Single-family detached · 2-family owner-occupied
Anywhere in OnondagaAnywhere in Onondaga County
1 county program1 county program a Syracuse homebuyer can also use
The Syracuse marketThe Syracuse housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Syracuse
- 41.4% single-familysingle-family
- 3.7% townhousetownhouse
- 26.7% 2–4 units2–4 units
- 27.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
About condos. None of Syracuse’s 3 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Syracuse’s homes were built
pre-19401970s2020+
85.5%
of Syracuse 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.
$106,800
County area median income, 4 people (HUD)HUD area median income, Onondaga County, 4-person household (2026)
$47,819
Syracuse median household incomeMedian household income in Syracuse (Census, 2024)
11 of the 68 programs here set their income limit as a share of Onondaga County’s area median income, adjusted for household size. See the published limits for Onondaga County
Free help nearbyFree help near Syracuse
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
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
Syracuse questions
Does Syracuse have its own down payment program?
Yes, 2: Home HeadQuarters Closing Cost Assistance and Closing Cost Assistance. Each is for homes inside Syracuse.
Can I use assistance on a condo in Syracuse?
None of Syracuse’s 3 local and county programs list condos as eligible. 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 Onondaga County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Onondaga 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 Syracuse?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Syracuse. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
13201 · 13202 · 13203 · 13204 · 13205 · 13206 · 13207 · 13208 · 13209 · 13210 · 13211 · 13212 · 13214 · 13215 · 13217 · 13218 · 13219 · 13220 · 13221 · 13224 · 13225 · 13235 · 13244 · 13250 · 13251 · 13252 · 13260 · 13261 · 13290
Nearby in Onondaga
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.