SONYMA Achieving the Dream Mortgage

NYS Homes & Community Renewal, SONYMA

Available Home Repair

About This Program

SONYMA Achieving the Dream Mortgage is available in Rochester, NY.

Low-income first-time homebuyer program offering 30-year fixed-rate mortgages with just 3% down (1% from buyer). Down Payment Assistance Loan (DPAL) provides $3,000-$15,000 standard or up to $30,000 via DPAL Plus, fully forgiven after 10 years.

97% financing; DPAL forgiven after 10 years of occupancy

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

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

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

Key Details

  • First-time homebuyers with low income
  • 30-year fixed rate with only 1% out-of-pocket
  • DPAL: 3% of price up to $15,000
  • DPAL Plus: up to $30,000 (20% of price)
  • Loans forgiven after 10 years of occupancy

How to Apply

Get free help applying Visit Official Program Page Track this program

A grant-savvy contractor in Rochester, 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 Rochester 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: Ongoing, apply through participating lender

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 SONYMA Achieving the Dream Mortgage provide in Rochester, NY?

Up to $30,000 DPA (forgiven after 10 yrs).

Who qualifies for SONYMA Achieving the Dream Mortgage in Rochester?

SONYMA Achieving the Dream Mortgage is available in Rochester, NY. It prioritizes low-income households.

How do I apply for SONYMA Achieving the Dream Mortgage in Rochester, NY?

Apply directly with NYS Homes & Community Renewal, SONYMA using the official program link on this page. 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 Rochester, NY contractors

Find More Programs in Rochester, NY

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

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