NYS Resilient Retrofits 50/50 Loan/Grant

NYS HCR / Home HeadQuarters

Available Home Repair

About This Program

NYS Resilient Retrofits 50/50 Loan/Grant is available to homeowners in Syracuse, NY.

Up to $50,000 for flood mitigation and energy upgrades. Half is a deferred grant forgiven at loan payoff, half is a 3% loan over 5 or 10 years. Income up to 120% AMI. No minimum credit score. Covers flood-proofing, insulation, heat pumps, raising mechanicals. Administered by Home HeadQuarters for Onondaga County.

Income up to 120% AMI, primary residence, 1-4 unit

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

  • $25,000 grant (deferred, forgiven at loan completion) + $25,000 at 3%
  • Income up to 120% area median income
  • No minimum credit score
  • At least 50% of scope must address flood/rain resilience
  • Covers heat pumps, insulation, flood-proofing, raising mechanicals

How to Apply

Get free help applying Visit Official Program Page Track this program

833-379-9276

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

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: Rolling, while funding lasts

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 NYS Resilient Retrofits 50/50 Loan/Grant provide in Syracuse, NY?

Up to $50,000 (half grant, half 3% loan).

Who qualifies for NYS Resilient Retrofits 50/50 Loan/Grant in Syracuse?

NYS Resilient Retrofits 50/50 Loan/Grant is open to homeowners in Syracuse, NY.

How do I apply for NYS Resilient Retrofits 50/50 Loan/Grant in Syracuse, NY?

Apply directly with NYS HCR / Home HeadQuarters using the official program link on this page or call 833-379-9276. 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

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