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: wdunn338@msn.com 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:

• Federal Housing Administration (FHA)

• Veteran’s Administration (VA) Mortgage

Read Also:  VA 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

Interested in finding out the perfect Western New York home? Then call Colleen Kulikowski at (716) 650-0051 to discuss what is happening in today’s Western New York Real Estate Market.

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Tags: buyer assistance, down payment, FHA, Home Sales, Purchase real estate, real estate, VA
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