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Get Matched Free →Homebuyer Programs in White Plains, NY (2026)
White Plains is the county seat of Westchester County and a major commercial hub just north of New York City, with a median home price around $695,000. Despite the high-cost market, buyers here can access substantial assistance through several county and nonprofit programs. The Westchester County Home Ownership Initiative provides grants of up to $25,000 for down payment and closing costs. Community Housing Innovations (CHI), headquartered in White Plains, offers first-time homebuyer grants of $25,000 to $35,000, plus a separate homeownership grant of up to $75,000 that combines purchase and rehabilitation funding. The Hudson Valley Home Ownership and Revitalization Program provides an additional $25,000 as a forgivable loan. At the state level, the SONYMA DPAL offers up to $15,000 and the FHLBNY Homebuyer Dream Program provides grants of up to $30,000. By stacking county, nonprofit, and state programs, eligible White Plains buyers could access significant assistance in this competitive market.
Top Homebuyer Programs in White Plains
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Hudson Valley Home Ownership and Revitalization Program | Forgivable Loan | Up to $25,000 | Yes | View → |
| Westchester County Home Ownership Initiative | Forgivable Loan | Up to $25,000 | 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 → |
| 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 → |
| Community Housing Innovations Homeownership Grant | Grant | Up to $75,000 (60% for down payment/closing costs, 40% for rehabilitation) | Yes | View → |
| Habitat for Humanity NYC and Westchester Homeownership Program | Zero-Interest Loan | Affordable mortgage with reduced payments | 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:
- Forgivable Loan
- Amount:
- Up to $25,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $25,000
- 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:
- $25,000 to $35,000 (49% max for down payment and closing costs; 51% minimum for home repairs)
- First-time only:
- Yes
- 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 mortgage with reduced payments
- 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 first-time homebuyer status, meaning you have not owned a home in the past three years. Income limits vary by program, typically ranging from 80% to 90% of Area Median Income for Westchester County. Given the high cost of living in Westchester, AMI limits tend to be higher than in other parts of New York.
- Step 2:
Complete homebuyer education. Westchester Residential Opportunities (WRO) at (914) 428-4507 offers free HUD-certified homebuyer counseling and education. They are located at 470 Mamaroneck Avenue, Suite 410, White Plains. Community Housing Innovations (CHI) at (914) 683-1010 also provides counseling services at 75 South Broadway, Suite 340, White Plains.
- Step 3:
Apply for the Westchester County Home Ownership Initiative. This provides a $25,000 grant for down payment and closing costs to first-time buyers earning at or below 80% AMI. Contact the Westchester County Department of Housing for details.
- Step 4:
Apply for CHI programs. Community Housing Innovations offers the CHI First Time Homebuyer Grant of $25,000 to $35,000, plus a separate Homeownership Grant of up to $75,000 that includes rehabilitation funding. Contact CHI at (914) 683-1010.
- Step 5:
Explore the Hudson Valley Home Ownership and Revitalization Program. This provides $25,000 as a forgivable loan, with at least 51% going toward property renovation. Contact WRO at (914) 428-4507 to apply.
- Step 6:
Get pre-approved for a mortgage. Ask your lender about SONYMA mortgage products, which include the DPAL forgivable loan of up to $15,000, and whether they participate in the FHLBNY Homebuyer Dream Program for grants up to $30,000.
- Step 7:
Find a home and close. Work with your counselor at WRO or CHI to coordinate timing on all assistance programs. Allow extra time if using the Hudson Valley program since renovation planning is required.