Home Ownership Programs


  • The Acquisition-Rehab program assists qualifying low-income first time home buyers in the City of Buffalo secure a grant for one-half of the rehab costs (up to $25,000.)
  • Home buyer must remain in the home for 10 years and it must be their principle place of residence for that length of time.
  • Download the full information

Down Payment and Closing Cost Assistance Program

  • The Down Payment and Closing Cost Assistance Program expands home ownership opportunities by providing financial assistance with closing costs to low and moderate income first time home buyers
      • A first time home buyer is defined as:
        • Someone who has not owned property for at least three years prior to applying.
        • A displaced homemaker.
        • A single parent.
      • Up to $5,000 in funding available for closing costs and down payment.
      • Applicant household must be below 80% gross area median income.
      • Applicant must live in home for 5 years after purchase.
      • Home must be
          • Within City of Buffalo limits
          • A single family home
          • In good condition
          • Owner-occupied at time of sale
          • Outside 100 year floodplain
          • Cannot exceed FHA 203(B) mortgage limit for existing one family home in Buffalo: $143,000
          • Download the brochure for more information

Home Grown Home Ownership Program


  • First time home buyer
  • Pre-approved for Sonny Ma Remodel NY mortgage through M&T Bank only
  • Applicant Household must be between 50% and 80% of gross annual median income

Eligible home must be in the City of Buffalo, Division of Real Estate Inventory

Home Grown Eligibility

Programs funding by the City of Buffalo/City of Buffalo Renewal Agency through the Community Development Block Grant and/or HOME Program.