See programs you qualify for
Get Matched Free →Homebuyer Programs in Cheektowaga, NY (2026)
Cheektowaga is a large town in Erie County, New York, bordering the City of Buffalo with a population of approximately 88,000. With a median home price around $250,000, it offers relatively affordable homeownership in the Western New York region. First-time buyers can access the Town of Cheektowaga Closing Cost Assistance program for up to $5,000 as a zero-interest deferred loan, and the Cheektowaga CHDO Homebuyer Program provides up to $10,000 in grants toward down payment and closing costs on rehabbed homes. County-wide programs include the Homeownership First Program (up to $5,000 grant) and the NeighborWorks Community Partners DPA Loan ($4,000 to $7,500). State-level programs like the SONYMA Down Payment Assistance Loan (up to $15,000) and the FHLBNY Homebuyer Dream Program (up to $30,000) add substantial additional support. By stacking local, county, and state programs, eligible Cheektowaga buyers could potentially receive over $50,000 in combined assistance.
Top Homebuyer Programs in Cheektowaga
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Cheektowaga CHDO Homebuyer Program | Grant | Up to $10,000 towards down payment and/or closing costs | Yes | View → |
| Town of Cheektowaga Closing Cost Assistance | Deferred Loan | Up to $5,000 | Yes | View → |
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
| Homeownership First Program (Erie County) | Grant | Up to $5,000 for down payment and closing costs | Yes | View → |
| National Faith Homebuyers Down Payment Assistance | Forgivable Loan | $5,000 to $10,000 forgivable loan (amount varies by location) | No | View → |
| NeighborWorks Community Partners Buffalo DPA Loan | Repayable Loan | $4,000 to $7,500 | Yes | View → |
| FHLBNY Homebuyer Dream Program | Grant | Up to $30,000 | Yes | View → |
| SONYMA Down Payment Assistance Loan (DPAL) | Forgivable Loan | Up to $15,000 or 3% of purchase price, whichever is greater (minimum $1,000) | Yes | View → |
| SONYMA DPAL PLUS | Forgivable Loan | Up to $30,000 | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $10,000 towards down payment and/or closing costs
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $5,000
- First-time only:
- Yes
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to $5,000 for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- $5,000 to $10,000 forgivable loan (amount varies by location)
- First-time only:
- No
- Type:
- Repayable Loan
- Amount:
- $4,000 to $7,500
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $30,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 or 3% of purchase price, whichever is greater (minimum $1,000)
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $30,000
- First-time only:
- Yes
How to Apply
- Step 1:
Check your eligibility. Most programs in Cheektowaga require household income at or below 80% of the area median income (AMI) and first-time homebuyer status, meaning you have not owned a home in the past three years.
- Step 2:
Complete homebuyer education. Contact Belmont Housing Resources for WNY at (716) 884-7791 to enroll in a HUD-approved homebuyer education workshop. NeighborWorks Community Partners also offers homebuyer education courses in the Buffalo area.
- Step 3:
Get pre-approved for a mortgage. Work with a SONYMA-approved lender to explore state programs like the SONYMA Down Payment Assistance Loan (up to $15,000 at 0% interest). Ask your lender about the FHLBNY Homebuyer Dream Program (up to $30,000 in grants).
- Step 4:
Apply for Cheektowaga town programs. Contact the Town of Cheektowaga Office of Community and Economic Development at (716) 897-7200 to apply for up to $5,000 in closing cost assistance. Also ask about the CHDO Homebuyer Program for rehabbed homes with up to $10,000 in grants.
- Step 5:
Explore additional assistance. Contact NeighborWorks Community Partners for their DPA Loan ($4,000 to $7,500) and the Homeownership First Program (up to $5,000 grant). The Matt Urban Center at (716) 893-7222 ext. 220 can help with CHDO property availability.
- Step 6:
Find a home in Cheektowaga. Work with your real estate agent to identify properties that meet program requirements. For the CHDO program, rehabbed properties are available on a first-come, first-served basis.
- Step 7:
Submit your full application and close. Coordinate with your lender, housing counselor, and program administrators to finalize all paperwork. Allow several weeks for processing once you have an accepted offer.