UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Oneida County
Buying a home in Waterville, NY
1 county program and 3 statewide.Waterville has no program of its own, 1 across Oneida 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 Waterville
No program of Waterville’s own yet
No program run for Waterville alone is listed. A home in Waterville can use Oneida County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Rome, about 20 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in OneidaAnywhere in Oneida County
1 county program1 county program a Waterville homebuyer can use
1 more program is for homes in Rome. See them 1 program in neighboring cities — for homes inside those cities, not Waterville
- Rome — City of Rome Down Payment Assistance Program
The Waterville marketThe Waterville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Waterville
- 57.4% single-familysingle-family
- 0.5% townhousetownhouse
- 22.6% 2–4 units2–4 units
- 18.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
About condos. Waterville’s one local program does not list condos as eligible. UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Waterville’s homes were built
pre-19401970s2020+
89.6%
of Waterville 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.
$98,500
County area median income, 4 people (HUD)HUD area median income, Oneida County, 4-person household (2026)
$82,273
Waterville median household incomeMedian household income in Waterville (Census, 2024)
10 of the 66 programs here set their income limit as a share of Oneida County’s area median income, adjusted for household size. See the published limits for Oneida County
Free help nearbyFree help near Waterville
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Waterville’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation 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
Waterville questions
Does Waterville have its own down payment program?
No program run for Waterville alone is listed. A home in Waterville can use the 1 program that cover Oneida County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Waterville?
Waterville’s one local program does not list condos as eligible. UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation 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 Oneida County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Oneida 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 Waterville?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Waterville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
13480
Nearby in Oneida
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.