NYS HOME Program, Owner-Occupied Housing Rehabilitation

New York State Homes and Community Renewal (HCR), NYS HOME Program

Active Home Repair

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

Visit Official Program Page Track this program

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

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