Closing Cost Assistance

Know what assistance can cover

Some programs may help eligible buyers with down payments or closing costs. Availability, funding, income limits, purchase-price limits, and property requirements change.

Verify before relying on a program

Ask an approved lender or a HUD-approved housing counselor about current options. New York buyers can research the State of New York Mortgage Agency through the official Homes and Community Renewal website.

Ask about long-term terms

Confirm whether assistance is a grant or loan, whether repayment or recapture applies, and how long you must occupy the property. Do not count assistance in your offer plan until eligibility and funds are confirmed.