BCNI Homebuyer Assistance Program (Montgomery County)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Montgomery County
Buying a home in Wellsville, NY
1 county program and 3 statewide.Wellsville has no program of its own, 1 across Montgomery County, and 3 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Wellsville
No program of Wellsville’s own yet
No program run for Wellsville alone is listed. A home in Wellsville can use Montgomery County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Schenectady, about 17 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MontgomeryAnywhere in Montgomery County
1 county program1 county program a Wellsville homebuyer can use
Income limits in Montgomery County
How programs here set their income limits
$95,500
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
10 of the 66 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Wellsville
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Wellsville’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.BCNI Homebuyer Assistance Program (Montgomery County) 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.
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Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Wellsville questions
Does Wellsville have its own down payment program?
No program run for Wellsville alone is listed. A home in Wellsville can use the 1 program that cover Montgomery County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Wellsville?
Wellsville’s one local program does not list condos as eligible. BCNI Homebuyer Assistance Program (Montgomery County) lists single family and 2-4 unit. 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 Montgomery County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Montgomery 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 Wellsville?
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
14895
Nearby in Montgomery
Sources
Sources: agency sites (July–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.