Introduction
Helping You Make Homeownership a Reality
Navigating the journey to homeownership can feel overwhelming—especially for first-time buyers. The good news? If you’re purchasing in the City of Rochester, there are several local and national programs designed to help with down payments, closing costs, and even long-term mortgage assistance.
Below is a breakdown of the top programs available to eligible homebuyers in our area.
Home Purchase Assistance Program (HPAP)
Grant Amount: Up to $3,000
Provides closing cost assistance for first-time buyers who meet income eligibility requirements. This program is designed to help low-to-moderate income families achieve homeownership within the City of Rochester.
Home Rochester Program
Buyer Contribution: Minimum of $1,500
A partnership between the City of Rochester and the Greater Rochester Housing Partnership. Homes are sold to income-qualified buyers who currently do not own property. Buyers must secure a conventional fixed-rate mortgage and commit to living in the home for 15 years.
Home Buyer Dream Program (HDP)
Eligibility: Households earning ≤80% of Area Median Income (AMI)
Offers grants for down payment and closing costs for first-time buyers in New York, New Jersey, Puerto Rico, and the U.S. Virgin Islands.
University of Rochester Home Ownership Incentive Program
Grant Amount: $9,000
Available to regular full-time/part-time employees, residents, and fellows. Requires a five-year commitment to both occupancy and employment. No income restrictions.
NeighborWorks® Rochester
Provides loans for down payment and closing costs for eligible first-time buyers. This program helps bridge the affordability gap for homebuyers ready to make the leap.
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RHA Homeownership Program
Through the Rochester Housing Authority, existing voucher holders can transition into homeownership. After qualifying for a mortgage, RHA will contribute monthly toward mortgage payments.
Naca – Neighborhood Assistance Corporation of America
Delivers affordable homeownership to low- and moderate-income individuals. Their “Best in America Mortgage” features no down payment, no closing costs, no fees, and below-market interest rates.
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Public Servant Next Door® Program
Open to all government employees who haven’t owned a home in the last three years. May include grants and down payment assistance. Available for any home on the market.
Nurse Next Door® Program
Open to all healthcare professionals, including nurses, doctors, and support staff. Offers grants up to $8,000 and potential additional assistance for qualified buyers.
Employer-Assisted Housing Initiatives
Many local employers offer homebuyer support. Reach out directly to discuss whether your employer participates in any assistance programs.
Heroes Homebuyer Program
Offers discounts and savings for military members, police officers, firefighters, healthcare workers, emergency personnel, and teachers.
Ready to Take the First Step Toward Homeownership?
Whether you’re a first-time buyer or just exploring your options, these programs can make your path to owning a home more affordable—and less stressful. Let’s talk about which program is the best fit for your situation.
🔍 Still have questions? I’m happy to walk you through next steps, connect you with trusted lenders, and be your advocate every step of the way.
Let’s turn your homeownership goals into reality—together.
