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Get Matched Free →Homebuyer Programs in Huntington, NY (2026)
Huntington is a large town on the north shore of Long Island in Suffolk County, New York, with a median home price around $798,000. Homebuyers in Huntington can access the Suffolk County HOME Down Payment Assistance Program, which offers up to $30,000 as a zero-interest deferred loan forgiven after 10 years. At the state level, SONYMA provides down payment assistance loans of up to $15,000 through its DPAL program and up to $30,000 through DPAL Plus for lower-income buyers. The Federal Home Loan Bank of New York's Homebuyer Dream Program offers grants of up to $30,000 through participating lenders. Nonprofit organizations like Community Development Long Island (CDLI) offer low-interest loans of up to $75,000 for down payment and closing costs, and Community Housing Innovations (CHI) provides grants of $25,000 to $35,000 for first-time buyers. By combining county, state, and nonprofit programs, eligible Huntington buyers could potentially stack significant assistance to make homeownership more affordable on Long Island.
Top Homebuyer Programs in Huntington
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Suffolk County HOME Down Payment Assistance Program | Deferred Loan | Up to $30,000 | 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 → |
| CDLI Down Payment and Closing Cost Assistance Loan | Repayable Loan | Up to $75,000 | Yes | View → |
| CHI First Time Homebuyer Grant Program | Grant | $25,000 to $35,000 (49% max for down payment and closing costs; 51% minimum for home repairs) | Yes | View → |
| Habitat for Humanity of Long Island Homeownership Program | Zero-Interest Loan | Affordable home purchase with subsidized mortgage | 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:
- Deferred Loan
- Amount:
- Up to $30,000
- 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:
- Repayable Loan
- Amount:
- Up to $75,000
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- $25,000 to $35,000 (49% max for down payment and closing costs; 51% minimum for home repairs)
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with subsidized mortgage
- 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 (AMI) for Suffolk County, adjusted for family size. The Suffolk County HOME program also requires a minimum documented income of $40,000 and at least $3,000 in savings.
- Step 2:
Complete homebuyer education. All major programs require a HUD-approved homebuyer education course. Community Development Long Island (CDLI) offers NeighborWorks homebuyer education courses at their Melville office. Contact them at 631-471-1215. The Long Island Housing Partnership (LIHP) also provides homebuyer counseling at 631-435-4710.
- Step 3:
Get pre-approved for a mortgage. Work with a SONYMA-participating lender or a lender that participates in the FHLBNY Homebuyer Dream Program, such as Suffolk Credit Union or Island Federal Credit Union, to determine your buying power and program eligibility.
- Step 4:
Apply for the Suffolk County HOME Down Payment Assistance Program. Visit SCDownpayment.com to download the application and guidelines. Mail your completed application to the Suffolk County Office of Community Development, 100 Veterans Memorial Highway, 2nd Floor, Hauppauge, NY 11788. For questions, call 631-853-5705.
- Step 5:
Explore additional assistance. Contact CDLI about their down payment and closing cost loan (up to $75,000) and Community Housing Innovations (CHI) about their First Time Homebuyer Grant Program ($25,000 to $35,000). These can often be layered with county and state programs.
- Step 6:
Find a home within program limits. The Suffolk County HOME program has a maximum appraised value of $551,000. Keep in mind that Huntington's median home price is well above this limit, so focus your search on properties at or below program caps.
- Step 7:
Submit your full application package. Once you have a signed purchase contract, finalize all program applications with supporting documentation. Processing times vary, so plan ahead and stay in close contact with your lender and program administrators.