New York State HOME Program Homeowner Rehabilitation

NYS Housing Trust Fund Corporation

Available Home Repair

About This Program

New York State HOME Program Homeowner Rehabilitation is available to homeowners in Oswego, NY.

Federal HOME Investment Partnerships Program funds administered by New York State for comprehensive homeowner rehabilitation. Provides deferred or forgivable loans for major repairs to income-eligible owner-occupied homes.

Deferred or forgivable loan based on income and rehabilitation scope

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

Data last verified 2026-06-09. How we verify our data.

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

Key Details

  • Up to $50,000 for comprehensive home rehabilitation
  • Income at or below 80% AMI required
  • Deferred or forgivable loan structure
  • Covers major repairs and energy efficiency upgrades
  • Must be owner-occupied

How to Apply

Get free help applying Visit Official Program Page Track this program

(315) 342-8150

A grant-savvy contractor in Oswego, 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 Oswego 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.
  • 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).
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: Administered locally, contact City of Oswego Community Development

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can New York State HOME Program Homeowner Rehabilitation provide in Oswego, NY?

Up to $50,000 per unit.

Who qualifies for New York State HOME Program Homeowner Rehabilitation in Oswego?

New York State HOME Program Homeowner Rehabilitation is open to homeowners in Oswego, NY. It prioritizes low-income households.

How do I apply for New York State HOME Program Homeowner Rehabilitation in Oswego, NY?

Apply directly with NYS Housing Trust Fund Corporation using the official program link on this page or call (315) 342-8150. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Oswego, NY contractors

Find More Programs in Oswego, NY

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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