Homebuyer Dream Program™

Homebuyer Dream Program

The 2024 Homebuyer Dream Program™ and the inaugural 2024 Homebuyer Dream Program™ Plus are underway

These limited-time grant programs are available to first-time homebuyers. Participants may receive a grant of up to $20,000* for down payment and/or closing costs. Funding is available on a first come first served basis. 

To qualify, you must meet the following eligibility guidelines:

  • Anyone listed on the mortgage must be considered a first-time homebuyer. (Someone who has not owned a home within the last three years)
  • Total household income must be within the income limitations that are based on the county where the property is located.
  • You must have $1,000 of your own funds to use toward the purchase of the home, and
  • Buyers must complete the required homebuyer certification course through an approved counseling agency.

*Membership eligibility is required.  Members must meet the income and credit requirements necessary to obtain a mortgage at SECNY FCU and be a first-time homebuyer. Up to $19,500 for down payment and/or closing costs and $500 towards the homeownership counseling costs.

Not a member? 

All eligible borrowers will need to become  a member of the credit union and open their membership account prior to or at time of application. View membership eligibility. 

Open an Account Online

HDP funds are distributed on a first come first served basis. There is no guarantee that funds will be available when your Reservation Request is submitted.  The grant is a Federal Home Loan Bank of NY program.

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SECNY Mortgage Department3508 W Genesee St, Fairmount NY 13219Call (315) 638-7061 or email [email protected]NMLS # 402177

Saturday Appointments AvailableContact by phone or email to make an appointment