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Get Matched Free →Homebuyer Programs in Greece, NY (2026)
Greece is the largest town by population in Monroe County, New York, located as a contiguous suburb just northwest of Rochester along the shore of Lake Ontario. With a median home price around $245,000, Greece offers affordable suburban homeownership in the greater Rochester metro area. While the town does not currently offer its own city-funded down payment assistance, buyers in Greece can access several county, state, and nonprofit programs. The Monroe County First-Time Homebuyer Grant Program provides up to $10,000 in grants, and the ESL First Home Grant offers up to $21,000 toward down payment and closing costs. At the state level, SONYMA provides down payment assistance loans up to $15,000 and the FHLBNY Homebuyer Dream Program offers grants up to $30,000. By stacking county, nonprofit, and state programs, Greece buyers can potentially access over $60,000 in combined assistance.
Top Homebuyer Programs in Greece
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Monroe County First-Time Homebuyer Grant Program | Grant | Up to $10,000 | 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 → |
| ESL First Home Grant | Grant | Up to $21,000 | Yes | View → |
| Greater Rochester Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable mortgage with reduced payments | Yes | View → |
| NeighborWorks Community Partners DPA Loan | Deferred Loan | Varies based on borrower qualification | 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
- 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 $21,000
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage with reduced payments
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Varies based on borrower qualification
- 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 require household income at or below 80% of the Area Median Income. The Monroe County First-Time Homebuyer Grant requires income at or below 80% AMI, while the ESL First Home Grant and FHLBNY Homebuyer Dream Program have their own income thresholds.
- Step 2:
Complete homebuyer education. Contact The Housing Council at PathStone at (585) 546-3700 ext. 3042 or email homebuyer@pathstone.org. They are the primary HUD-approved housing counseling agency serving Monroe County. Homebuyer education certification is required for most grant programs.
- Step 3:
Contact Monroe County Community Development at (585) 753-2000 to learn about the Monroe County First-Time Homebuyer Grant Program, which provides up to $10,000 in grants for eligible buyers purchasing in Monroe County.
- Step 4:
Reach out to ESL Federal Credit Union to explore the First Home Club and ESL First Home Grant, which provides up to $21,000 toward down payment and closing costs. ESL serves all of Monroe County including Greece.
- Step 5:
Get pre-approved for a mortgage through a SONYMA-approved lender or an FHLBNY-participating bank or credit union such as ESL Federal Credit Union or Family First Federal Credit Union. Ask your lender about layering the Homebuyer Dream Program grant (up to $30,000) with your first mortgage.
- Step 6:
Find a home within the Town of Greece. With a median price of $245,000, most homes here fall within typical program purchase price limits.
- Step 7:
Submit your applications and work with your housing counselor at The Housing Council at PathStone to coordinate funding from multiple sources. Expect the process to take 60 to 90 days from application to closing.