Oneida & Madison County Down Payment/Rehabilitation Program

Down Payment and Rehabilitation Assistance Funding Now Available

Utica, NY – The HomeOwnershipCenter (HOC) is proud to announce the availability of their new Down Payment AND Rehabilitation Assistance Program for Oneida and Madison County.

The Down Payment and Rehabilitation Assistance Program is for First Time Homebuyers purchasing in Oneida or Madison County excluding the cities of Utica and Rome. Buyers can
apply for a forgivable grant of $24,750 to assist with the down payment and rehabilitation work.

The total grant amount is broken down into two parts. $14,750 must be used for rehabilitation/repair of the purchased home which will address structural defects and health
and safety issues first. $10,000 of the grant can be used for down payment and/or closing costs.

Total household income must be at or below 112% of the Area’s Median Income set by HUD.

Persons in Family Income Limit:

County 1 Person 2 Person 3 Person 4 Person
Oneida County $39,245 $44,800 $50,445 $60,928
Madison County $42,650 $48,742 $54,835 $60,928

Homebuyer Education is a requirement of the program and classes fill up fast so be sure to register by visiting www.UNHS.org and clicking the banner at the top of the page. Applications
will only be provided to those that complete Homebuyer Education. Grants can be combined with First Home Club and other assistance programs as well!

If you have questions about either program, please call 315.724.4197 or email home@unhs.org.

Chartered in 1979 by NeighborWorks America, the HomeOwnershipCenter promotes housing and community development through programs such as Homebuyer Education and Financial Coaching,
housing rehabilitation, and foreclosure prevention. The HOC provides services to residents in Oneida,Herkimer, Madison, Fulton, Otsego and Montgomery counties.
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