See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 2, 2026
Homebuyer Programs in Henrietta, NY (2026)
Henrietta is a growing suburban town in Monroe County, New York, located just south of Rochester and home to Rochester Institute of Technology. With a median home price around $280,000, Henrietta offers buyers access to several strong assistance programs. The Monroe County First-Time Homebuyer Grant Program provides up to $10,000 in grant funds for down payment and closing costs, and the ESL First Home Grant offers up to $21,000 toward your purchase. At the state level, the FHLBNY Homebuyer Dream Program provides grants up to $30,000 for income-eligible buyers, and the SONYMA Down Payment Assistance Loan adds up to $15,000 as a zero-interest forgivable loan. NeighborWorks Community Partners also serves the area with affordable lending and down payment assistance. By combining county, state, and federal programs, eligible buyers in Henrietta can stack significant financial support to make homeownership more attainable.
County Programs in Monroe County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Monroe County First-Time Homebuyer Grant Program | Grant | Up to $10,000 | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $10,000
- First-time only:
- Yes
State Programs in New York
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHLBNY Homebuyer Dream Program | Grant | Up to $30,000 | Yes | View → |
| SONYMA Down Payment Assistance Loan (DPAL) | Forgivable Loan | Greater of $3,000 or 3% of the purchase price, capped at $15,000 (minimum $1,000); cannot exceed actual down payment and closing costs | Yes | View → |
| SONYMA DPAL PLUS | Forgivable Loan | Up to $30,000 | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $30,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Greater of $3,000 or 3% of the purchase price, capped at $15,000 (minimum $1,000); cannot exceed actual down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $30,000
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| 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 → |
| 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 → |
- 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:
- 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
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| 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 → |
- 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
How to Apply
Step 1: Check your eligibility. Most programs require household income at or below 80% to 100% of the Area Median Income for Monroe County. Review the income requirements for each program you plan to use.
Step 2: Complete homebuyer education. The Housing Council at PathStone is the primary HUD-approved homebuyer education provider in the Rochester area and offers both in-person and online courses. Contact them at 585-546-3700 to register. Completing their course satisfies the education requirement for the Monroe County grant, FHLBNY Homebuyer Dream Program, and SONYMA programs.
Step 3: Get pre-approved for a mortgage. Contact ESL Federal Credit Union about the ESL First Home Grant (up to $21,000), or reach out to Family First Federal Credit Union, Reliant Credit Union, or Genesee Regional Bank about the FHLBNY Homebuyer Dream Program (up to $30,000). You can also connect with a SONYMA-approved lender for state down payment assistance loans.
Step 4: Apply for the Monroe County First-Time Homebuyer Grant. Contact The Housing Council at PathStone at 585-546-3700 to apply for up to $10,000 in grant funds toward your down payment and closing costs. This program specifically serves suburban towns and villages of Monroe County, including Henrietta.
Step 5: Explore additional assistance through NeighborWorks Community Partners. They offer down payment and closing cost loans for qualified first-time homebuyers in the Rochester area. Contact them at 585-325-4170 or visit their office at 570 South Avenue in Rochester.
Step 6: Find a home in Henrietta within program guidelines. Work with your lender to confirm the property meets any purchase price limits. Once you have an executed purchase contract, your lender can submit funding reservations for the applicable grant and loan programs.
Step 7: Close on your home. Your lender and housing counselor will coordinate all assistance funds to apply at closing. Plan for estimated closing costs of $5,500 to $8,500 based on the current median home price.
Frequently Asked Questions
How much down payment assistance can I get in Henrietta?+−
Do I have to be a first-time homebuyer to qualify?+−
What are the income limits for Henrietta homebuyer programs?+−
What homebuyer education is required?+−
Does Henrietta have its own city-funded down payment assistance program?+−
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