The Closing Cost Loan, offered through The Enterprise Center at PathStone, provides up to $5,000 in closing cost assistance to income-qualified first-time buyers purchasing a 1-2 family primary residence in PathStone's service area (primarily Monroe County / Rochester and surrounding counties). The assistance is structured as a 0% interest deferred forgivable second-lien loan with pro-rata forgiveness over a 5-year affordability period. Buyers must complete PathStone HUD-approved homebuyer education and one-on-one 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 Closing Cost Loan: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from June 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.