Housing Funding Programs
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.
Programs with Annual Funding Cycles
Resilient Retrofits Program
| Source/Provider | 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 | February 20, 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. | https://hcr.ny.gov/resilient-homes-and-communities |
Small Rental Development Initiative (SRDI)
| Source/Provider | Date application window opens (applications accepted) | Date final applications are due | Source year used | Goals/Applications | Link |
|---|---|---|---|---|---|
| NYS HCR / HTFC | January 5, 2026 | February 13, 2026 | 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. | https://hcr.ny.gov/SRDI |
Neighborhood and Rural Preservation Programs (NPP / RPP)
| Source/Provider | Date application window opens (applications accepted) | Date final applications are due | Source year used | Goals/Applications | Link |
|---|---|---|---|---|---|
| NYS HCR | 2025-26 renewal materials publicly available by mid-2025; exact first-open date not clearly stated in reviewed materials | August 22, 2025, 4:00 PM | 2025 | Operational funding for nonprofit Neighborhood Preservation Companies (NPCs) and Rural Preservation Companies (RPCs): housing rehab, homeowner assistance, tenant services, foreclosure counseling, homebuyer counseling, property management, community planning. Match required (1:3 ratio). | https://hcr.ny.gov/neighborhood-and-rural-preservation-programs |
HOME Investment Partnerships – NYS HOME Local Program
| Source/Provider | 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. | https://hcr.ny.gov/nys-home-program |
New York Main Street Program (NYMS)
| Source/Provider | 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 | July 31, 2025, 4:00 PM | 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. | https://hcr.ny.gov/new-york-main-street |
Access to Home Program (including Access to Home for Heroes & for Medicaid Members)
| Source/Provider | 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 | August 21, 2025, 4:00 PM | 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. | https://hcr.ny.gov/access-home |
Mobile & Manufactured Home Replacement (MMHR)
| Source/Provider | 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 | August 21, 2025, 4:00 PM | 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. | https://hcr.ny.gov/single-family |
RESTORE Program (Residential Emergency Services to Offer Repairs to the Elderly)
| Source/Provider | 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 | August 21, 2025, 4:00 PM | 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. | https://hcr.ny.gov/restore-program |
9% Low-Income Housing Tax Credit (LIHTC)
| Source/Provider | 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 | September 11, 2025, 11:59 PM ET | 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. | https://hcr.ny.gov/low-income-housing-credit-program-9pctRFP |
HOME Investment Partnerships – American Rescue Plan (HOME-ARP)
| Source/Provider | 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 | September 11, 2025, 11:59 PM ET | 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. | https://hcr.ny.gov/funding-opportunities |
NY State Low-Income Housing Tax Credit (SLIHC)
| Source/Provider | Date application window opens (applications accepted) | Date final applications are due | Source year used | Goals/Applications | Link |
|---|---|---|---|---|---|
| NYS HCR / DHCR | July 17, 2025 | September 11, 2025, 11:59 PM ET | 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. | https://hcr.ny.gov/new-york-state-low-income-housing-tax-credit-program-slihc |
NYS Housing Trust Fund (HTF) Program
| Source/Provider | 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 | September 11, 2025, 11:59 PM ET | 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. | https://hcr.ny.gov/htf |
Technical Assistance to Grow Pro-Housing Communities (TAG-PHC)
| Source/Provider | 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. | https://hcr.ny.gov/tagphc |
One-Time or Ongoing Funding Opportunities
SONYMA Achieving the Dream Mortgage
| Source/Provider | 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. | https://hcr.ny.gov/programs-add-features |
Pro-Housing Community Certification (Gateway Program)
| Source/Provider | 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. | https://hcr.ny.gov/pro-housing-community-program |
Affordable Housing Corporation (AHC) / Affordable Homeownership Development Program (AHODP)
| Source/Provider | 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. | https://hcr.ny.gov/affordable-housing-corporation-0 |
Rural Preservation Company of Clinton County (Clinton RPC)
| Source/Provider | 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. | https://www.clintonrpc.org/ |
4% Low-Income Housing Tax Credit (LIHTC)
| Source/Provider | 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. | https://hcr.ny.gov/low-income-housing-tax-credit-program-4pctRFP |
Community Development Block Grant (CDBG) – NYS Non-Entitlement Program (NYS HTFC / OCR)
| 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. Accepted on a Rolling Basis | 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. | https://hcr.ny.gov/community-development-block-grant |
