Better Community Neighborhoods, Inc. (BCNI)
Up to $0 toward a down payment in NY.
BCNI's Homebuyer Assistance Program provides down-payment and closing cost assistance to first-time homebuyers purchasing in Montgomery County (and the City of Schenectady) for up to 10% of the purchase price, with an average grant of approximately $9,000 depending on need and home location. Structured as a 0% forgivable grant prorated over a 5-year affordability period. Requires pre-purchase counseling.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on BCNI Homebuyer Assistance Program (Montgomery County): what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.