State Program Programs

New York State Affordable Housing Corporation Program provides varies and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

New York State HOME Program provides varies and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

New York State Housing Trust Fund provides varies and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

New York State Low Income Housing Trust Fund provides varies and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Achieving the Dream Program provides low interest rate + dpal and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Conventional Plus Program provides 3%–5% of purchase price and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Down Payment Assistance Loan (DPAL) provides up to $15,000 and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Energy Star Program provides 0.25% interest-rate reduction and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA FHA Plus Program provides 3%–5% of purchase price and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Graduate to Homeownership Program provides varies and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA HFA Advantage Program provides varies and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Homes for Veterans Program provides 0.375% interest-rate reduction + dpal and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Low Interest Rate Program provides market minus 0.375% and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Mortgage Credit Certificate (MCC) provides $2,000 per year tax credit and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Mortgage Insurance Fund (MIF) provides varies and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Neighborhood Revitalization Program provides $20,000 rehab funds and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA Remodel New York Program provides $20,000 rehab funds and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.

SONYMA RemodelNY Program provides $20,000 rehab funds and low‑rate financing to help New Yorkers purchase, improve, or refinance a home.