Buyer Assistance Programs in Western New York

The American Dream – Home Ownership

In an ideal world people would have all the money they need for a down payment on a home.  There are times that potential home owners need assistance in purchasing a home in Western New York.

Read Also: Options for those without a down payment

But where does one start to look for that assistance in Western New York?  There are lots of places to reach out for assistance in purchasing a home for sale.   There are a variety of programs that will either assist you with your down payment on a WNY home or assistance with Mortgages and then there are Grant Programs that are available to qualified Western New York buyers.

Read Also: Easy steps to save for the down payment for your new home!

Here is a resource list of programs available to Western New Yorkers. Know about a program that is not listed here?  Please let us know so we can add it and assist other Western New York !    Of course you cannot purchase a home or determine  your eligibility without a good Mortgage Professional to guide you through the process and work with you and your Realtor.

Read Also: How to Select a Mortgage Professional in Western New York

Down Payment Assistance and Mortgage Assistance Programs:

Read Also: Mortgage Information For Home Buyers

  • HART – Allows you to buy a home with no money down.
  • Nehemiah – Buy with no money down when combined with an FHA loan.
  • Neighborhood Gold – This program no longer is in effect as of July 2007.
  • Highland Community Revitalization Committee, Inc. in Niagara Falls. Contact their Director, William Dunn email him at: call at (716) 282-2325
  • FHA Loans – Government insured – allow you to buy a home with only a 3% down.

Read Also: FHA Policy Changes will make it harder to get an FHA Loan

  • VA Loans – If you are a veteran, you may buy a home with no money down.

Important Resources for Home Buyers:

Read AlsoVA Mortgage Basics

  • US Department of Housing and Urban Development HUD
  • State of New York Mortgage Agency (SONYA)
  • NYS Division of Housing (DHCR)
  • Buffalo Urban League 716-854-7625
  • The Home ownership Center 716-856-2592
  • Neighborhood Housing Services 716-856-2952
  • New York State Home Page
  • Erie County Home Page
  • FIRST TIME HOMEBUYERS PROGRAM – For Erie County Residents 858-8390
  • Niagara County Home Page
  • The Home Ownership Center of Buffalo (716-856-2952) provides grant money and down payment assistance for: Home Repair programs, Emergency Repair programs, Bank Gift programs, 50/50 Loans, and Weatherization program

Specific Western New York Community Resources:

  • Belmont Shelter Corp 312-8075
  • Black Rock / Riverside NHS 877-3910 Serving North Buffalo/Black Rock/Riverside
  • Broadway/Filmore NHS 852-3130 Serving: Fillmore District
  • Buffalo Urban League 854-7625 Serving: Buffalo
  • Center City Neighborhood Dev Corp. 282-3738 Serving: Center City and Niagara Falls
  • Citizen’s Alliance 895-2234 Serves: Delevan-Grider community
  • City of Buffalo Home Page
  • Community Action Org. 881-5150 Serving: Erie County
  • Community Preservation 853-0266
  • Department of Environment & Planning 858-6927 Areas Served: Erie County (except City of Buffalo), Amherst, Cheektowaga, Tonawanda, Hamburg, plus villages within the towns
  • Ellicott District Community Development 856-3262 Serving: Ellicott District of Buffalo
  • Fillmore/Leroy Area Residents (FLARE) 838-6740 Serves: Central Park-Masten District
  • Hispanics United of Buffalo (H.U.B.) 856-7110
  • Homefront, Inc. 856-2952 Serving: Erie County, Niagara County and Buffalo
  • Kensington-Bailey NHS 836-3600 Serving: North-East Buffalo
  • Lackawanna Community Development 823-5124 Serving: Lackawanna
  • Lovejoy District Neighborhood Revitalization Services 896-5010 Serves: Buffalo-Lovejoy District
  • Native American Community Services of Erie & Niagara Counties 874-4460
  • NHS of South Buffalo 823-3630 Serves: South Buffalo
  • Niagara Falls NHS 285-7778
  • North Buffalo Community Development 874-6133
  • North Tonawanda Community Development 695-8580 Ext 515
  • Old First Ward Community Center 856-8613 Serving: South Buffalo/Old First Ward
  • Tonawanda Community Development Agency 695-8645
  • Town of Amherst 631-7082
  • Town of Hamburg 648-6216
  • Town of Cheektowaga 961-6606
  • Town of Tonawanda 871-8850
  • Town of Lackawanna 823-5134
  • City of Lockport 439-6687
  • West Side Neighborhood Housing Services 885-2344 Serving: West Side of Buffalo

Thinking of selling your Erie County home? Interested in finding out the current market value of your single family home, condo or investment property? Then call at (716) 650-0051 to discuss what is happening in today’s Western New York Real Estate Market. We would be happy to give you a personalized Comparative Market Analysis for your home or assist you to purchase a home. View additional WNY Market Area Statistics here.

What about one of these homes?

All Statistics are gathered from the Buffalo Niagara Association of REALTORS®.
Properties found on this Web site may be listed with a brokerage other than the owner of this site and are displayed here via the Internet Data Exchange (IDX) system of this broker’s MLS. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing nor displaying broker shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless. © 2014 Western New York Real Estate Information Services (WNYREIS), LLC. All rights reserved.

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About Colleen Kulikowski, Associate Real Estate Broker (716) 650-0051

Colleen Kulikowski is an Associate Real Estate Broker with J. Philip Real Estate specializing in Western New York residential homes who doesn’t follow trends; she blazes new trails and is able to recognize industry trends and implement them to her client’s best interest. Colleen has created a unique following with one of the top local internet positions in the country generating thousands of leads for her team. Real Estate is a second career for Kulikowski who’s first career was in Information Technology and Data Warehousing working for such companies as Radio City Music Hall, Nabisco Foods and as a consultant in the Financial and Insurance industries. A strong background in technology and management provides her with keen analytical and sharp negotiating skills.


  • Ann Cummings

    March 22, 2008 at 4:51 pm

    Wow – what an impressive resource post this is for Western NY buyers! Great job putting all this information together in one spot.

  • Colleen Kulikowski

    March 22, 2008 at 9:00 pm

    Ann — thanks! Hopefully it will help a few people…

  • Charletta Tyson

    March 24, 2008 at 9:38 am

    Highland Community Revitalization Committee, Inc. also offers a buyer’s assistance program for purchases in the Highland Avenue area in the city of Niagara Falls. How do we get our name on this list? Our contact number is (716) 282-2325.

  • Colleen Kulikowski

    March 26, 2008 at 12:08 pm

    Charletta — Your organization has been added to the list. Thanks for making us aware of it!

  • C Meyers

    April 6, 2008 at 7:46 am

    I love blogs like this one. You are 100% on point. Keep up the good work.

  • Webmaster

    April 12, 2008 at 7:17 am

    I found your site on bookmarking site.. I like it ..gave it a fave for you..ill be checking back later

  • Colleen Kulikowski

    May 8, 2008 at 9:21 pm

    C Meyers & Webmaster — Thanks!

  • Joanne Brown

    November 17, 2008 at 11:24 pm

    What a terrific post Colleen, I am going to try and put something together similar for my area in Southern, NY. I hope I can find as many resources as you have.

  • Colleen Kulikowski

    November 18, 2008 at 9:47 am

    Thanks Joanne! It is great to give the consumer a resource to use.

  • John Goodmen

    November 4, 2010 at 8:25 pm

    this is really a great site!

Comments are now closed for this article.