This page is a centralized resource for state and local financial assistance programs designed to support housing development, preservation, and home improvement across our community. These programs are available to a variety of applicants, including homeowners and homebuyers, developers and property owners, municipalities, and community organizations. The programs may provide grants, loans, tax credits, below-market mortgages, or other assistance.
Please note that the CCIDA does not administer or award these funds. Eligibility, award amounts, and application decisions rest with the administering agency, and application windows change from year to year. Our role is to help residents, developers, and municipalities identify the right program and connect with the right contact.
Explore the detailed listings below to find application dates, eligibility requirements, and direct links to apply. If you are not certain which program fits your project, please contact us at ida@clintoncountyny.gov.
One-Time or Ongoing Funding Opportunities
Source/Provider
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS Homes and Community Renewal (HCR), Office of Community Renewal, using HUD CDBG funds
2026 cycle shown as OPEN; no single opening date posted in the page text reviewed
No single universal due date posted in the page text reviewed. Deadline of December 31, 2026.
2026
Flexible community development funding: housing rehabilitation (owner- and renter-occupied), infrastructure supporting housing, public facilities, economic development. Must principally benefit low- and moderate-income persons (≥70% of funds). Income limit: ≤80% AMI for housing activities.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
SONYMA (State of New York Mortgage Agency) under HCR
Year-round / ongoing through participating lenders
No fixed annual due date. Accepted on a Rolling Basis
2026
Below-market-rate 30-year fixed mortgage for low-income first-time homebuyers. SONYMA's lowest interest rate product. Down payment as low as 3% with Down Payment Assistance Loan (DPAL). Must be first-time buyer (or not owned primary residence in 3 years). Income and purchase price limits by county—Clinton County limits apply.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR
Rolling / ongoing
No fixed final due date. Accepted on a Rolling Basis
2026
Certification for municipalities demonstrating commitment to housing growth and zoning reform. Required prerequisite to access key discretionary state programs (DRI, NY Forward, REDC Capital Fund, NY Main Street, LIIF, Mid-Hudson Momentum Fund, and others). Municipalities must demonstrate past housing growth or commit to pro-housing policies.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS Affordable Housing Corporation / HCR
Rolling / accepted immediately after the current NOFA is released
No fixed final due date posted; open until funds are appropriated / exhausted. Accepted on a Rolling Basis
2026
Subsidizes homeownership: new construction, acquisition/rehab, home improvements, and replacement of dilapidated mobile/manufactured homes. Income limits are project-specific but generally ≤80% AMI. Up to $75,000 per unit under current tiered award structure.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
Rural Preservation Company of Clinton County (nonprofit, HCR-certified RPC)
Ongoing / applications and wait-list requests available on RPC website
No single annual due date posted. Accepted on a Rolling Basis
2026
HCR-certified Rural Preservation Company serving Clinton County. Activities: housing rehabilitation and development, homeowner assistance, tenant services, homebuyer counseling, community planning, and administration of HCR OCR programs (RESTORE, Access to Home, HOME, etc.) as a local program administrator (LPA). Key on-the-ground partner for accessing HCR state housing resources.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Application
Link
NYS Housing Finance Agency (HFA), under HCR
Rolling / ongoing pipeline; no single annual opening date identified
No single final due date identified. Accepted on a Rolling Basis
2026
Multifamily rental housing financed with tax-exempt private activity bonds; 4% credit generated by bond financing. Stand-alone 4% also available for IDA- or public housing authority-financed projects. Units must serve ≤60% AMI.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR / HTFC (Resilient Homes and Communities division)
December 17, 2025
October 23, 2026, 5:00 PM EST
2026
Flood resilience retrofits and energy efficiency improvements for low- and middle-income single-family homeowners in flood-prone areas: elevation, floodproofing, drainage, energy efficiency/electrification. Combines construction loans and forgivable grants.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR / HTFC
January 5, 2026
No current round posted.
2026
Acquisition + rehab or new construction of small rental housing (5–20 units). Affordable to lower-income households. Especially useful in rural upstate communities where large LIHTC projects are not feasible.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR, OCR / Housing Trust Fund Corporation (HTFC), on behalf of HUD
May 1, 2026
October 30, 2026 (or earlier if funds are committed)
2026
Acquisition, rehabilitation, or new construction of single-family housing; down payment assistance (DPA); replacement of dilapidated manufactured homes; tenant-based rental assistance (TBRA). Income limit: ≤80% AMI; rental units must serve ≤60% AMI. 5–20 year affordability period by activity.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR / HTFC
2025 round publicly active by at least June 26, 2025 in training materials; exact first-open date not clearly stated in reviewed materials
No current round posted.
2025
Downtown/Main Street revitalization: building renovation (facade, interior commercial/residential), Downtown Anchor (standalone building), Downtown Stabilization, and Technical Assistance grants. Housing in upper floors eligible. No new construction or demolition. Target area must show disinvestment. Pro-Housing Community certification required.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR / HTFC, Office of Community Renewal
July 17, 2025
No current round posted.
2025
Accessibility modifications for people with disabilities or chronic health conditions: ramps, grab bars, widened doorways, roll-in showers, etc. Access to Home for Heroes targets veterans; Access to Home for Medicaid Members targets Medicaid recipients. Income limit: generally ≤80% AMI.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR / HTFC, Office of Community Renewal
July 17, 2025
No current round posted.
2025
Helps low- and moderate-income homeowners replace dilapidated mobile or manufactured homes. Often used to improve health, safety, and code compliance in owner-occupied units.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR / HTFC, Office of Community Renewal
July 17, 2025
No current round posted.
2025
Emergency home repairs for elderly low-income homeowners (age 60+). Eligible repairs: furnace, roof, electrical, plumbing, and other health/safety hazards. Income limit: ≤80% AMI.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR / Division of Housing and Community Renewal (DHCR)
July 17, 2025
No current round posted.
2025
New construction or substantial rehabilitation of affordable multifamily rental housing. Units serve ≤60% AMI; LIHTC Average Income option available. Minimum 30-year affordability period. Often layered with HTF, SLIHC, SHOP, or CIF gap financing.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR / HTFC, on behalf of HUD
July 17, 2025
No current round posted.
2025
Multifamily rental housing and non-congregate shelter for Qualifying Populations (people experiencing/at risk of homelessness, DV survivors, veterans, elderly homeless). Capacity-building grants for nonprofits. Income: units must serve Qualifying Populations.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR / DHCR
July 17, 2025
No current round posted.
2025
State supplement to federal LIHTC. Supports mixed-income projects; can serve households up to 90% AMI (if ≥10% of units above 60% AMI). Annual $5M reserved for standalone SLIHC projects (outside NYC) with ≥20% of units at ≤50% AMI. ~$12M total per 9% LIHTC RFP round.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS Housing Trust Fund Corporation / HCR
July 17, 2025
No current round posted.
2025
Construction of low-income housing; rehabilitation of vacant/distressed residential property; conversion of underutilized non-residential property to housing. Intended for low-income households in blighted or qualifying areas.
Date application window opens (applications accepted)
Date final applications are due
Source year used
Goals/Applications
Link
NYS HCR
2025 round posted; exact public opening date not clearly stated in reviewed materials
November 25, 2025
2025
Grants to assist municipalities in achieving or expanding PHC certification and implementing housing-supportive zoning, planning, and policy reforms. Capacity-building for local governments.
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