Down payment assistance

Down payment assistance in Utica, NY

67 programs a Utica buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

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Programs available: 67
Open to first-time buyers: 23
Forgivable: 57
Largest award: $126,526

67 programs

In Utica

1 program

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant

HomeOwnershipCenter (formerly Utica Neighborhood Housing Services / UNHS)

Up to $31,500

Forgivable loan · Forgiven over 10 yrs · Income limits

First-time

Verified Jul 2026See details →

In Oneida County

1 program

City of Rome Down Payment Assistance Program

Deferred

Deferred second loan · Forgiven over 10 yrs · Income limits

First-time

Verified Jul 2026See details →

Across New York

3 programs

FHLBNY Homebuyer Dream Program (HDP) Suite

Federal Home Loan Bank of New York (FHLBNY)

Up to $30,000

Assistance grant · Income limits

First-timeTargeted area

Verified Jul 2026See details →

SONYMA Achieving the Dream Program

State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR)

Up to $15,000

First mortgage · New construction · Income limits

First-timeVeterans

Verified Jul 2026See details →

SONYMA Down Payment Assistance Loan (DPAL)

State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR)

Up to $15,000

Forgivable loan · Forgiven over 10 yrs

Verified Sep 2026See details →

Federal

62 programs

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Up to $126,526

Assistance grant · Income limits

NationwideVeterans

Verified Jul 2026See details →

America First Credit Union 100% No PMI Adjustable-Rate Mortgage

First mortgage

Nationwide

Verified Jul 2026See details →

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

Nationwide

Verified Jul 2026See details →

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026See details →

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide

Verified Jul 2026See details →

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide

Verified Jul 2026See details →

Chase Bank Homebuyer Grant

Grant

Assistance grant · Income limits

NationwideTargeted area

Verified Sep 2026See details →

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026See details →

Citibank, N.A. HomeRun Mortgage

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026See details →

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026See details →

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area

Verified Jul 2026See details →

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide

Verified Jul 2026See details →

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Verified Jul 2026See details →

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Verified Jul 2026See details →

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide

Verified Jul 2026See details →

Essex Mortgage 10 Year Amortized 2 Plus

Grant

Assistance grant · Income limits

Nationwide

Verified Jul 2026See details →

Essex Mortgage Forgivable/Deferred Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jul 2026See details →

Fairway Independent Mortgage Corporation Affordable Housing

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026See details →

Fairway Independent Mortgage Corporation HOPER's Incentive Program

Grant

Assistance grant · Income limits

NationwideTargeted area

Verified Jul 2026See details →

First Bank Thrive Mortgage Loan

Grant

Assistance grant · Income limits

NationwideTargeted area

Verified Jul 2026See details →

Flagstar - Flagstar Gift Program

0.03% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jul 2026See details →

Great Nevada Mortgage Middle-Income Downpayment Assistance Grants

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026See details →

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026See details →

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jul 2026See details →

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Verified Jul 2026See details →

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Verified Jul 2026See details →

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Verified Jul 2026See details →

HSBC Bank USA CommunityWorks

Grant

Assistance grant · Income limits

Nationwide

Verified Jul 2026See details →

HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant

Grant

Assistance grant · Income limits

Nationwide

Verified Jul 2026See details →

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jul 2026See details →

Land Home Financial Services, Inc. House2Home Program

Grant

Assistance grant · Income limits

Nationwide

Verified Jul 2026See details →

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide

Verified Jul 2026See details →

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jun 2026See details →

MEP Advantage DPA Program

Deferred

Deferred second loan · Income limits

Nationwide

Verified Jul 2026See details →

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jul 2026See details →

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

Verified Jul 2026See details →

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide

Verified Jul 2026See details →

National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jul 2026See details →

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans

Verified Jul 2026See details →

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans

Verified Jul 2026See details →

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026See details →

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jul 2026See details →

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

Verified Jun 2026See details →

Pathway Homes Essential Workers Program

Assistance

Shared-appreciation loan · Income limits

NationwideEducators

Verified Jun 2026See details →

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026See details →

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area

Verified Jun 2026See details →

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide

Verified Jul 2026See details →

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide

Verified Jul 2026See details →

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide

Verified Jun 2026See details →

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jul 2026See details →

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide

Verified Jul 2026See details →

Susan's Savings First Time Home Buyers Program

Grant

Assistance grant · New construction · Income limits

First-timeNationwide

Verified Jul 2026See details →

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide

Verified Jun 2026See details →

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide

Verified Jun 2026See details →

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators

Verified Jul 2026See details →

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide

Verified Jun 2026See details →

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jul 2026See details →

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide

Verified Jul 2026See details →

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans

Verified Jun 2026See details →

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans

Verified Jul 2026See details →

USDA Rural Development Single Family Housing Guaranteed Loan Program

First mortgage

First mortgage · Income limits

Nationwide

Verified Jul 2026See details →

Valley First Credit Union Middle Income Homebuyer Program

Grant

Assistance grant · Income limits

First-timeNationwide

See details →

Income limits near Utica

HUD puts the 2026 area median income for Oneida County at $98,500 for a four-person household. Published limits for New York →

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Find my programs

Questions, answered

The honest answers first

Do I need to share my SSN or get a credit check?

No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.

Is this free?

Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.

Are these all the programs?

We list active programs we've verified for Utica and New York, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.

Can I use more than one?

Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.

How current is this?

We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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