Onondaga County Neighborhood Initiative 1% Loan

Home HeadQuarters / Onondaga County

Available Home Repair

About This Program

Onondaga County Neighborhood Initiative 1% Loan is available to homeowners in Syracuse, NY.

1% interest loan, 7-year term for exterior home improvements. Available in Cicero, North Syracuse, Mattydale, East Syracuse, Strathmore, Elmwood, North Valley, and South Valley neighborhoods. No income limit. Primary residence required.

Must be in eligible neighborhood, primary residence

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

Data last verified 2026-04-01. How we verify our data.

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

Key Details

  • 1% interest rate, 7-year repayment
  • Eligible neighborhoods: Cicero, North Syracuse, Mattydale, East Syracuse, Strathmore, Elmwood, North/South Valley
  • Covers roofs, siding, windows, doors, porches, steps, fencing, driveways
  • No income limit, primary residence required

How to Apply

Get free help applying Visit Official Program Page Track this program

315-474-1939

A grant-savvy contractor in Syracuse, 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 Syracuse early keeps your application moving.

Get matched with a contractor

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.
  • 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: Year-round

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 Onondaga County Neighborhood Initiative 1% Loan provide in Syracuse, NY?

Up to $10,000.

Who qualifies for Onondaga County Neighborhood Initiative 1% Loan in Syracuse?

Onondaga County Neighborhood Initiative 1% Loan is open to homeowners in Syracuse, NY. It has no income limit.

How do I apply for Onondaga County Neighborhood Initiative 1% Loan in Syracuse, NY?

Apply directly with Home HeadQuarters / Onondaga County using the official program link on this page or call 315-474-1939. 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 Syracuse, NY contractors

Find More Programs in Syracuse, NY

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

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