More Information About 50/50 Rehab Loan Program

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This program is provided by the City of Buffalo Owner Occupied Housing Assistance Programs.


50/50 Rehab Loan Program for Niagara District

Purchasing or have recently purchased a home? The City of Buffalo has available funding for one half of the rehab and repair costs (up to $25,000) for code related repairs and lead based paint hazard reduction to purchasers and new owners of existing one and two family homes.


 To qualify you must

  •  Be a first time homebuyer purchasing a single or double family house within the Niagara or Ellicott District in the City of Buffalo, New York
  • Plan to occupy the house to be purchased for at least ten years
  • Document your matching funds as part of the application process
  • Be current on all City and County taxes, Water Bills, and User Fees
  • Provide supporting documentation to verify eligibility
  • Have a household income of 80% or less of the area median income*, based on family size (see chart below)
Income Guidelines

*Household Size / Income (80% of AMI)

1 / $41,850
2 / $47,800
3 / $53,800
4 / $59,750
5 / $64,550
6 / $69,350
7 / $74,100
8 / $78,900

These income guidelines are based on 2018 numbers and are subject to change


How Can I Apply?

Spaces are limited and applications are taken on a first-come, first-served basis, as available.

Applicants will be required to submit supporting documentation to verify eligibility for the program – including (but not limited to) proof of ownership, household income, household size and composition, status of city/county taxes, water bill and user fees.

For more information, contact our office at (716) 882-7661.

 This website was produced in part with the assistance of the City of Buffalo/ City of Buffalo Urban Renewal Agency through the Community Development Block Grant and/or HOME Program(s.)