Westchester Residential Opportunities, Inc. (WRO) offers home buyers education programs. The First Home Club Savers Program is a match savings program which provides matching funds for down payment and closing costs.

Community Housing Innovations Inc. (CHI) has a Westchester Home Ownership Program that offers grants to eligible first-time home buyers for down-payment assistance.

Housing Action Council is a not-for-profit organization working to increase and improve housing opportunities for low and moderate income households and special needs populations, including the homeless, elderly and disabled individuals throughout the Hudson Valley Region and surrounding counties. HAC provides counseling for households looking to purchase their first home.

State of New York Mortgage Agency (SONYMA) offers low-interest mortgage loans and programs to help qualified buyers purchase their first home.

SONYMA provides access to affordable homeownership by removing many of the hurdles faced by first-time homebuyers.
From increasing your understanding of the overall homebuying process, to helping secure funds for a down payment, SONYMA is with you every step of the way.

• Down Payment Assistance Loan - This program provides assistance with the down payment part of homeownership. 
• DPAL PLUS Pilot Program - SONYMA is offering a limited, enhanced down payment assistance loan, called DPAL PLUS.  This subsidy is designed to help low-income New Yorkers achieve their homeownership dream. Maximum household income of 60% of the Area Median Income (AMI).
• Give Us Credit - The Give Us Credit program qualifies eligible first-time homebuyers by expanding the criteria used to evaluate responsible financial management, increasing eligibility to families and individuals who rely on non-traditional savings and sources of income, and by offering greater flexibility for potential borrowers who have overcome past financial hardships.  

Give Us Credit Mortgage Program 
Programa Hipotecario 'Give Us Credit'