Down payment assistance · Saratoga County
Buying a home in Waterford, NY
3 statewide.Waterford has no program of its own, and 3 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Waterford
No program of Waterford’s own yet
No program run for Waterford or for Saratoga County alone is listed. A home in Waterford can use the New York statewide and federal programs below.
The closest city that runs its own program is Troy, about 4 miles away. City programs usually require the home to be inside that city’s limits.
The Waterford marketThe Waterford housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Waterford
- 30.6% single-familysingle-family
- 2.7% townhousetownhouse
- 60.4% 2–4 units2–4 units
- 6.3% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Waterford’s homes were built
93%
of Waterford 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.
9 of the 65 programs here set their income limit as a share of Saratoga County’s area median income, adjusted for household size. See the published limits for Saratoga County
Free help nearbyFree help near Waterford
4 HUD-approved counseling agencies within 15 miles4 HUD-approved housing counseling agencies within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Waterford questions
Does Waterford have its own down payment program?
No program run for Waterford alone is listed. A home in Waterford can use the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Waterford?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Saratoga County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Saratoga 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 Waterford?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Waterford. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
12188
Nearby in Saratoga
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.