NYS HOME Program — Owner-Occupied Housing Rehabilitation

About This Program

New York State's HOME Program uses federal HOME Investment Partnerships funds administered by HCR to help low-income homeowners rehabilitate their primary residences through grants or deferred loans via local subrecipients (cities, counties, nonprofits). Rehabilitation assistance for owner-occupied units can reach up to $40,000 per home and must address health, safety, and building code deficiencies. Eligibility and application are handled at the local subrecipient level.

Assistance amount varies by local program design — can be a grant, deferred loan, or forgivable loan. Maximum HOME subsidy for owner rehab is generally $40,000 per unit but may vary by jurisdiction.

Key Details

• Federal HOME funds for rehabilitation of low-income owner-occupied homes (≤80% AMI)
• Up to $40,000 per home for health, safety, and code-required repairs
• Administered locally by cities, counties, and nonprofits — apply through your municipality
• Often structured as deferred or forgivable loan (no immediate repayment)
• Covers structural repairs, plumbing, electrical, roofing, and accessibility modifications

How to Apply

Deadline: Rolling through local municipal and nonprofit subrecipients; 2025 funding round closed — 2026 round pending