NYS Restore Program
NY Division of Housing & Community Renewal
About This Program
New York State program providing forgivable loans to moderate-income homeowners to rehabilitate their primary residence. Loan is forgiven after 10 years of continued occupancy. Covers major systems, structural repairs, and code violations.
Forgivable loan, no repayment if you remain in the home 10 years
Record set last reviewed 2026-06-09. How we verify our data.
Other published resources for Schenectady, NY, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
- EPA / WIIN Act Lead Service Line Replacement Local lead-service-line replacement assistance varies; contact your water utility
Key Details
- Forgivable loan up to $50,000
- Income at or below 100% AMI
- Must be owner-occupied primary residence
- Forgiven after 10 years of occupancy
- Currently waitlisted, check for program updates
How to Apply
Confirm the current application route with the administrator. Verified official forms and steps appear below when available.
Prepare your application
Review the likely documents and download a blank preparation checklist. The blank PDF does not include saved personal details.
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Already sent us your project details? Sign in to download a preparation sheet with those details. For supported VA programs, you can also get a partially completed official form.
Open my application toolsRequirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Automated source check blocked. The cited site blocked or rate-limited our automated check on . The page may still work in your browser; opening it does not verify the program, amount, eligibility, or availability.
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Schenectady.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Deadline: Applications currently paused, check for reopening
Questions about this program?
Email us at no charge. Replies may be automated and are for information only. For a decision on your application, contact the program administrator.
Email us about this programReport a problem with this listing
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
Rebates and supplies for this project
Explore free rebate resources and optional shopping links. Check current terms and compare total costs before you buy.
Find More Programs in Schenectady, NY
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
See All Programs