NYS HOME Program, Owner-Occupied Housing Rehabilitation

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

Available Home Repair

About This Program

NYS HOME Program, Owner-Occupied Housing Rehabilitation is available to homeowners in New York City, NY.

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.

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In New York City, NY, you can combine this program with other local help to cut your cost:

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

Get free help applying Visit Official Program Page Track this program

A grant-savvy contractor in New York City, NY can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in New York City early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

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.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • 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).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

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

Questions about this program?

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Frequently asked questions

How much can NYS HOME Program, Owner-Occupied Housing Rehabilitation provide in New York City, NY?

Up to $40,000 per homeowner unit (rehabilitation assistance).

Who qualifies for NYS HOME Program, Owner-Occupied Housing Rehabilitation in New York City?

NYS HOME Program, Owner-Occupied Housing Rehabilitation is open to homeowners in New York City, NY. It serves seniors.

How do I apply for NYS HOME Program, Owner-Occupied Housing Rehabilitation in New York City, NY?

Apply directly with New York State Homes and Community Renewal (HCR), NYS HOME Program using the official program link on this page. There is no middleman and no fee. Deadline: Rolling through local municipal and nonprofit subrecipients; 2025 funding round closed, 2026 round pending.

Need a Contractor for This Grant?

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