NY Division of Housing & Community Renewal
New York State program providing forgivable loans to moderate-income homeowners to rehabilitate their primary residence. Loan is forgiven after 10 years of continued occupancy. Covers major systems, structural repairs, and code violations.
Forgivable loan, no repayment if you remain in the home 10 years
Official source site checked live on 2026-06-22.
Data last verified 2026-06-09. How we verify our data.
In Schenectady, NY, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Schenectady, 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 Schenectady early keeps your application moving.
Get matched with a contractorThis 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.
Documents you will likely need
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: Applications currently paused, check for reopening
Ask us. It is free, and a real person answers within a business day.
Email us about this programGrant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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