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Get Matched Free →Homebuyer Programs in Clarkstown, NY (2026)
Clarkstown is a large town in Rockland County, New York, located about 30 miles north of New York City in the lower Hudson Valley. With a median home price around $635,000, buying here is a significant investment, but multiple assistance programs can help. The SONYMA Down Payment Assistance Loan offers up to $15,000, while SONYMA DPAL PLUS provides up to $30,000 in assistance. The FHLBNY Homebuyer Dream Program offers grants up to $30,000 for qualifying first-time buyers. At the county level, the Rockland County HOME First-Time Homebuyer Assistance program provides deferred loans for down payment and closing costs. Community Housing Innovations offers grants up to $75,000 for down payment, closing costs, and rehabilitation through the New York State Affordable Housing Corporation. By combining state, county, and nonprofit programs, Clarkstown buyers could access well over $100,000 in total assistance.
Top Homebuyer Programs in Clarkstown
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Rockland County HOME First-Time Homebuyer Assistance | Deferred Loan | Varies (down payment and closing cost assistance) | 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 → |
| Community Housing Innovations Homeownership Grant | Grant | Up to $75,000 (60% for down payment/closing costs, 40% for rehabilitation) | Yes | View → |
| Habitat for Humanity of Rockland County Homeownership Program | Zero-Interest Loan | Affordable home purchase with no-profit pricing and affordable mortgage | No | 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:
- Deferred Loan
- Amount:
- Varies (down payment and closing cost assistance)
- 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 $75,000 (60% for down payment/closing costs, 40% for rehabilitation)
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with no-profit pricing and affordable mortgage
- First-time only:
- No
- 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 require household income at or below 80% of the Area Median Income for Rockland County. Some programs like Community Housing Innovations allow income up to New York State maximum levels. Confirm you meet the first-time homebuyer requirement (no homeownership in the past 3 years) for the programs you plan to use.
- Step 2:
Complete homebuyer education. Contact the Rockland Housing Action Coalition at 845-708-5799 for HUD-approved pre-purchase counseling and homebuyer education workshops in English or Spanish. Their office is located at 475 Route 304, Suite 1, New City, NY 10956.
- Step 3:
Contact local housing partners. Reach out to Community Housing Innovations at 845-330-3948 ext. 3004 to learn about their Homeownership Grant of up to $75,000. Also contact the Rockland County Office of Community Development at 845-364-3939 to ask about HOME program assistance.
- Step 4:
Get pre-approved for a mortgage. Work with a SONYMA-approved lender to access the DPAL (up to $15,000) or DPAL PLUS (up to $30,000). Ask your lender if they participate in the FHLBNY Homebuyer Dream Program for an additional grant of up to $30,000.
- Step 5:
Find a home within program limits. Search for properties in Clarkstown that meet any applicable purchase price limits for the programs you're using.
- Step 6:
Submit your applications. Work with your lender and housing counselor to submit applications for all programs you qualify for. Processing times vary, so start early in your home search.