Habitat for Humanity of Oneida County Homeownership Program

Administered by: Habitat for Humanity of Oneida County · Nonprofit · Zero-Interest Loan

Funding status: Active

How much assistance

Affordable home purchase with reduced-cost mortgage (Zero-Interest Loan)

Homes sold at no profit with affordable monthly payments.

Eligibility

  • Income limits: No more than 60% of Area Median Income for family size in Oneida County
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Geographic restrictions: Must have lived or worked in Oneida County for 12 months prior to applying.
  • Homebuyer education required: Yes

How to Apply for Habitat for Humanity of Oneida County Homeownership Program

Step 1: Visit the Habitat for Humanity of Oneida County office at 494 French Rd, Utica, NY 13502 to inquire about application availability. Applicants must demonstrate need for adequate housing, provide sweat equity volunteer hours, attend home preparation education covering finances, mortgages, and home maintenance, and qualify for a low-income mortgage.

Visit program website

Notes

Applications open periodically. Office hours Monday-Friday 8:00 AM - 5:00 PM. ReStore location at 216 Seward Ave, Utica, NY 13502.

Cities Where This Program Is Available