Affordable Housing

Affordable Housing Resources

The New York State Association of REALTORS is dedicated to assisting all New Yorkers in achieving the American Dream of homeownership. The association’s Affordable Housing Committee helps REALTORS identify, develop, advocate and promote financial programs, products and resources that expand homeownership opportunities in every area of New York State. In addition, the Affordable Housing Foundation is working to develop programs to assist New Yorkers in achieving the dream of homeownership.

The following is a list of regional housing opportunity organizations currently in operation throughout the state.


The Campaign for Affordable Housing 
5900 Wilshire Boulevard, 26th Floor
Los Angeles, CA 90036
Fax: 323-330-0541

The Campaign for Affordable Housing facilitates and supports the development of diverse housing styles for America’s workforce and seniors by educating all segments of the public on the true nature of affordable housing and the people who reside there. Our ultimate goal is to significantly increase the support for efforts to make housing affordable on the local, state and national level.

Congressional Hispanic Caucus Institute National Housing Initiatives
911 2nd Street NE
Washington, D.C. 20002
Fax: 202-546-2143

The Congressional Hispanic Caucus Institute (CHCI) launched its National Housing Initiative (NHI) in 2003 to focus on expanding the accessibility of homeownership to Latinos by employing an innovative bi-partisan, multi-tiered strategy to identify and develop solutions to address the current obstacles faced by Hispanics.

Council for Affordable and Rural Housing
1112 King Street
Alexandria, VA 22314
Fax: 703-837-8467

The Council for Affordable and Rural Housing (CARH) was founded in 1980 as a non-profit trade organization. Since then, the Council has become the leading national advocate for the financing, development, and management of affordable rural housing.

Harvard University’s Joint Center for Housing Studies
Joint Center for Housing Studies
Harvard University
1033 Massachusetts Avenue, 5th Floor
Cambridge, MA 02138
Fax: 617-496-9957

The Joint Center for Housing Studies is Harvard University’s center for information and research on housing in the United States. The Joint Center analyzes the dynamic relationships between housing markets and economic, demographic, and social trends, providing leaders in government, business, and the non-profit sector with the knowledge needed to develop effective policies and strategies.

Housing Assistance Council
National Office
1025 Vermont Ave., N.W.
Suite 606
Washington, D.C. 20005
Fax: 202-347-3441 

The Housing Assistance Council improves housing conditions for the rural poor, with an emphasis on the poorest of the poor in the most rural places in the United States. It offers services to public, nonprofit, and private organizations throughout the rural United States.

Local Initiatives Support Corporation
National Headquarters
501 Seventh Avenue
New York, NY, 10018
Fax: 212-682-5929

LISC helps resident-led, community-based development organizations transform distressed communities and neighborhoods into healthy ones – good places to live, do business, work and raise families. By providing capital, technical expertise, training and information, LISC supports the development of local leadership and the creation of affordable housing, commercial, industrial and community facilities, businesses and jobs. We help neighbors build communities.

NeighborWorks Multifamily Initiative/Neighborhood Reinvestment Corporation 
1325 G St., NW, Suite 800
Washington, DC 20005-3100
Fax: 202-376-2600

NeighborWorks America, local NeighborWorks organizations and Neighborhood Housing Services of America make up the NeighborWorks system, which has successfully built healthy communities since 1978. Together, with national and local partners, NeighborWorks creates new opportunities for residents while improving communities by providing financial support, technical assistance, and training for community-based revitalization efforts.

Regulatory Barriers Clearinghouse
Regulatory Barriers Clearinghouse
P.O. Box 23268
Washington, DC 20026-3268
Phone: , option 4
Fax: 202-708-9981

As called for in the “American Homeownership and Economic Opportunity Act of 2000”, the Regulatory Barriers Clearinghouse was established to collect, process, assemble and disseminate information on the barriers faced in the creation and maintenance of affordable housing. The Clearinghouse is hosted by HUD USER, the primary source for Federal Government reports and information on housing policy and programs, building technology, economic development, urban planning, and other housing-related topics.

U.S. Department of Housing & Urban Development (HUD)
U.S. Department of Housing and Urban Development
451 7th Street S.W.
Washington, DC 20410

HUD’s mission is to increase homeownership, support community development and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management and accountability and forge new partnerships–particularly with faith-based and community organizations–that leverage resources and improve HUD’s ability to be effective on the community level.

1. Adirondack Region

Association for Neighborhood Rehabilitation
Joseph O’Hare
110 Ogden Street
Ogdensburg, NY 13669
Phone: (315) 393-4610

Friends of the North Country, Inc.
Scott Campbell
1A Mill Street
Keeseville, NY 12944
Phone: Fax: 518-834-9687

Friends of the North Country, Inc. is a U.S. Department of Housing and Urban Development Certified Housing Counseling Agency. Housing Rehabilitation & New Home Ownership Programs offer grant programs to assist low-income individuals with housing improvements in target areas, and assistance with new homeownership (housing counseling and financial counseling).

Housing Assistance Program of Essex County, Inc.

Alan S. Hipps, Executive Director
103 Hand Avenue, Suite 2
Elizabethtown, NY 12932
Phone: Fax: 518-873-9102

Section 8 Rental Assistance/ Homebuyer Program/Rehab Program: A) Section 8 Rental Program provides assistance to income eligible Essex County residents; B) Homebuyer Program assists income eligible residents in principle reduction, closing costs and/or attending to health/safety, building code deficiencies when purchasing and Essex County Home; C) Rehabilitation Program is for Essex County income eligible homeowners that need help with repairing health, safety and building code deficiencies in their homes.

A and C targeted to 50-percent of median income, while B is targeted to 80-percent of median income for the county.

Marble City Housing Corp

Alfred Netto
68 West Main Street, PO Box 430
Gouverneur, NY 13642
Phone: Fax: 315-287-2492

Mohawk Indian Housing Corporation

Carol Lazore
Route 37
Akwesaane, NY 13655
Phone: Fax: 518-358-4870

St. Lawrence County Housing Council

Fred Hanns
19 Main Street
Canton, NY 13617
Phone: Fax: 315-386-1564

2. Capital Region

Carrowmore Community Assistance, Inc.
Duane Nealon, Executive Director
489 Potter Hill Road
Petersburgh, New York 12138-3215


Carrowmore Community Assistance, Inc. (CCA) is a not-for-profit housing and community development organization serving the New York Capital District Region. We assist low-income families, neighborhoods, and communities with urban and rural planning that responds to local needs and concerns; including, affordable housing, assessment of environmental impacts, sustainable economic development. CCA will also provide assistance with the identification, preparation and administration of grants, low-interest loans and other sources of project funding–working to ensure that program control and resources remain within the community.

Services include: Mutual Housing, Affordable Housing, Homeownership Assistance, Grant Writing, Community Planning, and Sustainable Development.

TRIP Neighborworks Home Ownership Center

Bobbi Carter, Director
415 River Street, 2nd Floor
Troy, NY 12180
Phone: Fax: 518-690-0025

TRIP Neighborworks is a non profit organization dedicated to neighborhood revitalization and stabilization while empowering residents with education and support in the City of Troy and Rensselaer County. Programs include Homebuyer education courses. We are a HUD-certified counseling agency able to provide credit and budget counseling, default counseling and HECM counseling. We administer City of Troy and Rensselaer County downpayment and closing cost assistance grants and the RPI and Russell Sage Homebuyer Programs. We have a revolving loan fund for repair loans to existing homeowners and those trying to buy in Troy. We have a landlord training program and a home maintenance training program presented free of charge to anyone who wishes to attend and more. TRIP Neighborworks HOC is only one of 65 NeighborWorks Homeownership Centers in the Country and the only one serving the Capital District tri-county area.

3. Central Region

City of Fulton Community Development Agency
Carol Rutledge
125 West Broadway
Fulton, NY 13069
Phone: Fax: 315-593-7754

Affordable Homeownership Program offers downpayment and closing cost upfront cash grants to income-eligible first-time homebuyers for the purchase of existing, single-family homes in the geographic boundaries of City of Fulton, NY. All units must meet housing quality standards and housing code and be in “move-in” condition. The program does not allow for the pruchase of HUD homes as these generally require substantial rehabilitation. The agency takes a 10-year mortgage on the property.

Clayton Improvement Association

Matt Taylor, Housing Coordinator
330 James Street, PO Box 99
Clayton, NY 13624
Phone: 315-686-3212


Community Action Planning Council

Ken Flint
518 Davidson Street
Watertown, NY 13601
Phone: Fax: 315-788-8251

Frontier Housing

Tom Ransier, Executive Director
100 Locke Drive, PO Box 56
Dexter, NY 13634
Phone: Fax: 315-639-4771

Home HeadQuarters, Inc.

Kerry Quaglia, Executive Director
124 E. Jefferson Street
Syracuse, NY 13202
Phone: Fax: 315-474-0637

Home HeadQuarters is a not-for-profit organization dedicated to revitalizing and stabilizing neighborhoods in Syracuse and Central New York. Programs and services include: homebuyer education courses, homeownership and credit counseling, down payment and closing cost assistance, home improvement loans, the Home Equity Protection Program, Syracuse Weed & Seed Community Partnership, landlord training, Opportunity HeadQuarters Construction Apprentice Program and more. Home HeadQuarters is one of only 50 NeighborWorks Homeownership Centers nationwide.

Lewis County Opportunities

8265 State Route 812
Lowville, NY  13367
Phone: 315-376-8202

Neighbors of Watertown
Gary Beasley
116 Franklin Street
Watertown, NY 13601
Phone: Fax: 315-782-0102

North Country Affordable Housing, Inc.

Barbara H. Willis
120 Washington Street, Suite 16
Watertown, NY 13601
Phone: Fax: 315-785-0092

The Home Ownership Center

Victoria Steele
1611 Genesee Street
Utica, NY 13501
Phone: Fax: 315-724-1415

The Home Ownership Center is one of 50 Neighbor Works Home Ownership Centers nationwide with service that include a comprehensive 8-hour homebuyer education workshop, individualized homeownership counseling, down payment and closing cost loans (to qualified buyers) inspection services, construction management and community organizing. These services are provided in both Oneida and Herkimer counties.

4. Genesee Region

Genesee Valley Rural Preservation Council, Inc.
Bob Martin
129 Main Street
PO Box 248
Leicester, NY 14481
Phone: Fax: 585-382-3199

The council’s First Time Home Buyer program offers assistance with downpayment, closing costs and acquisition reduction of mortgage

Providence Housing Development Corp.

Lisa Alcott, Program Director
1136 Buffalo Road
Rochester, NY 14620
Phone: Fax: 585-529-9525

The Monroe County First Time Homebuyer Program offers assistance with downpayment and closing costs for those earning 80% of area median income. Educational program required. Within Monroe County only.

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5. Lower Hudson Region

Habitat for Humanity of Greater Newburgh
Deirdre Glenn
PO Box 1694
Newburgh, NY 12551
Phone: Fax: 845-568-5632

Under this program, $750 plus 250 hours / 400 hours sweat equity constitutes downpayment. Families who are legally residents in the US, who have lived in the Newburgh area for one year and who earn (or have annual income) equal to 25% to 50% of the HUD median income for the area are eligible.

Rockland Housing Action Coalition, Inc.

120-126 North Main Street

Annex – First Floor
New City, NY 10956
Phone: 845-708-5799
Fax: 845-708-5798

Rockland Housing Action Coalition offers new construction and budget/credit/mortgage/homeownership and foreclosure prevention counseling. The not-for-profit agency develops affordable housing. We write grants to the federal, state and local government to reduce the purchase prices of our new homes, so low- and middle-income families can obtain mortgages. In addition, we provide budget/credit/mortgage/homeownership and foreclosure prevention counseling.

Rural Ulster Preservation Co., Inc. (RUPCO) 

Robyn Awand
Director of Neighborworks® HomeOwnership Center
301 Fair Street
Kingston, NY 12401
Phone: Fax: 845-331-9864

RUPCO’s Homebuyer Assistance program offers downpayment, closing cost and rehabilitation assistance to first-time homebuyers based on income eligibility limits provided by HUD in Ulster County. We also offer First Home Club – homeowner education and administer Section 8 homeownership.

6. Metropolitan Region

Catholic Charities Diocese of Rockville Centre

90 Cherry Lane
Hicksville, New York 11801
Phone: (516) 733-7000

Catholic Charities provides more than 1,200 safe, comfortable, affordable housing units for seniors and special needs populations throughout Long Island from Inwood to Hampton Bays.

Community Housing Innovations, Inc.

119 Jackson St.
Hempstead, New York
Phone: (516) 280-3243

Community Housing Innovations provides low-income families and individuals with the housing and human services that enable them to achieve the greatest social and economic independence at the lowest cost to society.

Habitat for Humanity-SUNY Stony Brook


Habitat builds simple houses with the help of the homeowner families, volunteer labor and donations. Houses are sold to families at no profit, zero interest loans.

Housing Help, Inc.

91 Broadway #6
Greenlawn, NY
Phone: (631) 754-0373

Housing Help Inc. provides information on tenants rights; landlord/tenant mediation; First Time Home Buyer counseling; Default counseling Reverse Equity Mortgage counseling; and Budgeting.

The Long Island Council of Churches

1644 Denton Green

Hempstead, NY, 11550
Tel: 516-565-0290
Fax: 516-565-0291
407 Osborne Avenue
Riverhead, NY, 11901
Tel: 631-727-2210
450 N. Main Street
Freeport, NY 11520
Tel: 516-868-4989

We are an advocate for affordable housing throughout Long Island, offer counseling and referral, and provide mortgage education through our predatory lending seminars in faith-based institutions.

Long Island Housing Partnership, Inc.

180 Oser Avenue Suite 800
Hauppauge, NY 11788
Phone: (631) 435-4710

The Housing Partnership provides housing opportunities on Long Island for those who otherwise would be unable to afford decent and safe homes.

Long Island Housing Services, Inc.

Phone: – Nassau 516-292-0400
Phone: – Suffolk 631-567-5111

Our mission is the elimination of unlawful housing discrimination and promotion of decent and affordable housing through advocacy and education.

North Fork Housing Alliance, Inc.

110 South St
Greenport, NY
Phone: (631) 477-1070

The North Fork Housing Alliance, Inc. is a community-based, non-profit housing assistance agency that provides families with Section 8 Rental Assistance, administers a Family Self-Sufficiency Program, assists with Home Equity Conversion and Reverse Mortgage counseling, provides Home Owners’ Housing Rehabilitation, Housing Information & Counseling and holds First Time Home Buyers’ Workshops.

Shelter Island Housing Options Inc.


The mission of Shelter Island Housing Options, Inc. is to help meet the need for affordable, appropriate and adequate housing for resident individuals and families who were born on Shelter Island or who have chosen to live and work here to raise their families, and those who have chosen to live out their retirement years here.

Supportive Housing Network of New York


The Supportive Housing Network of New York represents the statewide supportive housing community of over 150 non-profits that have developed and operate over 20,000 units of safe, affordable housing with on site services. The Network provides advocacy, resources, technical assistance, promotion of best practices and public education services
Wyandanch Homes & Property Development Corp.
Phone: (631) 940-6521

Wyandanch Homes & Property Development Corp (WHPDC) is a non-for-profit providing affordable rental housing for the homeless, assisting families preparing for mortgage eligibility, and counsels families facing foreclosure.

7. Southern Tier Region

Better Housing for Tompkins County
950 Danby Road, Suite 102
Ithaca, NY 14850
Phone: Fax: 607-273-1630

Through partnerships with other agencies, local government, and state and federal funding sources, Better Housing for Tompkins County has worked to develop and improve housing opportunities for low and moderate income individuals, families, older people and the disabled in rural Tompkins County since its inception in 1981.

City of Cortland
Office of Community Development

Linda Armstrong, Thoma Development Consultants
34 Tompkins Street
Cortland, NY 13045
Phone: Fax: 607-753-6818
Web: (click on community development),

The Community Development Office assists income-eligible, first-time homebuyers with incomes at or below 80% of median income for Cortland County (pursuant to HUD) who are eligible for between $8,000-13,500 for closing costs and “principle reduction.” Income eligibility is based on household size. Funds for certain rehabilitation costs after purchase are also available. Total funds provided as a “deferred payment loan” and forgiven at end of residency period. You may be considered first-time buyer if you have not owned a home for at least 3 years, or if previous homeowner with spouse, but are now a single parent with minor child. Homes for purchase assistance must be located in the City of Cortland.

Ithaca Neighborhood Housing Services (INHS)

115 W. Clinton St. , Ithaca , NY   14850
Ithaca, NY 14850
Phone: Fax: (607) 277-4536

INHS is a non-profit organization improving Ithaca’s neighborhoods and creating affordable housing.

Opportunities for Chenango, Inc.

Karen Glasbergen
PO Box 470
Norwich, NY 13815
Phone: ext. 115  Fax: 607-336-3089

Pre-purchase and post purchase counseling. Various grant subsidies for low-to-moderate income first-time buyers.

8. Western Region

HomeFront, Inc.
Bryan Cacciotti, Executive Director
361 Delaware Avenue, Suite 308
Buffalo, NY 14202

The HomeOwnership Center acquires, rehabilitates, and sells property as affordable housing. We also provide financial assistance to owner-occupants wishing to improve their homes. Other programs include pre-purchase counseling.