Is there down payment assistance in New York?

Yes. 23 down payment assistance programs are listed for New York: 17 statewide and 6 county or city programs, plus national options that apply everywhere.

What is the largest down payment grant listed for New York?

The largest listed grant amount for New York is $30,000. Amounts and eligibility vary by program and are not a quote or approval.

Down payment assistance in New York

23 programs are listed for New York: grants, forgivable loans, deferred seconds and first mortgage products from state, county and city providers. Every amount and rule below comes from the provider’s published terms.

Programs

Statewide

County and city

$30,000

Largest listed grant

Check what you qualify for Ask Cal about your situation

Statewide programs

SONYMA Achieving the Dream

First mortgage + DPAL DPA · Amount varies by program · State of NY Mortgage Agency
SONYMA DPAL

Forgivable 2nd 10-yr · Up to $3,000 · SONYMA
SONYMA DPAL Plus

Forgivable 2nd 10-yr · Amount varies by program · SONYMA
SONYMA Homes for Veterans

DPAL + 0.4% rate discount · Up to $15,000 or Up to 3% · SONYMA
NYC HomeFirst

Deferred gap financing · Up to $100,000 · NYC HPD
SONYMA Low Interest Rate Program

below_market_rate · Amount varies by program · State of New York Mortgage Agency (SONYMA)
SONYMA Down Payment Assistance Loan (DPAL)

forgivable_loan · Up to $15,000 or Up to 3% · State of New York Mortgage Agency (SONYMA)
SONYMA Repayable Second Lien (RSL) Program

deferred_loan · Up to 5% · State of New York Mortgage Agency (SONYMA)
SONYMA Conventional Plus Program

below_market_rate · Up to 3% · State of New York Mortgage Agency (SONYMA)
SONYMA FHA Plus Program

deferred_loan · Up to 3% · State of New York Mortgage Agency (SONYMA)
SONYMA RemodelNY Program

below_market_rate · Amount varies by program · State of New York Mortgage Agency (SONYMA)
SONYMA Graduate to Homeownership

below_market_rate · Up to $15,000 or Up to 3% · State of New York Mortgage Agency (SONYMA)
SONYMA ENERGY STAR Labeled Homes Program

below_market_rate · Up to $15,000 or Up to 3% · State of New York Mortgage Agency (SONYMA)
SONYMA Manufactured Home Loan Program

below_market_rate · Up to $15,000 or Up to 3% · State of New York Mortgage Agency (SONYMA)
FHLBNY Homebuyer Dream Program (HDP)

grant · Up to $30,000 · Federal Home Loan Bank of New York
FHLBNY HDP Plus

grant · Up to $30,000 · Federal Home Loan Bank of New York
FHLBNY HDP Wealth Builder

grant · Up to $30,000 · Federal Home Loan Bank of New York

County and city programs

NYC HomeFirst Down Payment Assistance Program

forgivable_loan · Up to $100,000 · NYC Department of Housing Preservation and Development (HPD)
City of Buffalo HOME Buyer Assistance Program

forgivable_loan · Up to $15,000 · City of Buffalo / Buffalo Urban Renewal Agency (BURA) / UDCDA
Nassau County HOME Down Payment Assistance Program

forgivable_loan · Up to $50,000 · Nassau County (HOME Consortium)
Suffolk County HOME Consortium DPA

forgivable_loan · Up to $30,000 · Suffolk County
Westchester County DPA (via Community Housing Innovations)

forgivable_loan · Amount varies by program · Community Housing Innovations (CHI)
City of Albany Home Acquisition Program (HAP)

second_loan · Up to 10% · City of Albany

National programs

38 federal and national programs apply in every state. See the national programs.

Find your New York match

Tell Cal how to reach you and a licensed loan officer will narrow these 23 programs to the ones your income, county, and credit actually fit. No spam, no list-selling.