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Offers low-interest rate loans for low income individuals and families who need to repair their homes to help with energy cost, create safe conditions, etc.

Through the City of Buffalo's Emergency Assistance Loan Programs and 50/50 Loan Program, loan funds are available to assist homeowners in need of making health and safety repairs, addressing building code violations, and making emergency repairs to leaking roofs, sewer line breaks, broken hot water tanks, inoperable furnaces, and faulty electrical service. Heart of the City Neighborhoods is able to assist homeowners in the Fruit Belt, West Side, Upper West Side, Lower West Side, Elmwood-Bidwell, Elmwood-Bryant, Allentown, Central, Masten Park, MLK Park, and Pratt Willert Planning Neighborhoods with applications. If you live in a different neighborhood, please contact the office to be referred to the organization that can assist you. You can also use this online tool to find the housing organization that serves your neighborhood: https://data.buffalony.gov/stories/s/8vh4-7acw

Provides deferred, no interest loans to qualified homeowners for home improvements.

Community groups of volunteers offer free repairs, including carpentry, plumbing, electric work, weatherproofing, drywall, lock repairs, roof patching, window replacement, installation of smoke detectors, painting, clean up and yard work assistance to homeowners and community center properties in need.

Uses income-qualifying standards set by the federal government for the Rent Subsidy Program and the Home Improvement Program.

Offers a variety of loan and 100% financing programs to assist with home purchases, construction, home repairs or refinancing, for qualifying applicants. Financing includes Conventional Loans, VA, FHA, Rural Housing, and Rehab Loans.

Provides energy conservation measures and health and safety measures which include: reducing fuel consumption and other minor repairs related to energy needs, appliance efficiency testing and replacement, heating system repair and replacement, and insulation installation.

Designed for first time home buyers, this program assists low/moderate-income persons into ownership with financial assistance through the use of grants to reduce the cost of the house to make it more affordable, do repairs to the house to ensure it meets code and housing quality standards, or both.

Works with income-eligible households (homeowners, renters, and landlords) to improve the energy efficiency of the home (single family units, manufactured housing, and 1-4 building rental units). Considers weatherization efforts including insulation and air sealing; home heating sources, hot water tanks, carbon monoxide or smoke detectors, solar options and more, to ensure the health and safety of homes. Grants offered through New York State Energy Research and Development Authority (NYSERDA) for income-eligible households, referrals and assessment also available.

Provides homeowners in Buffalo and throughout Erie County with loans of up to $20,000 for home improvements and repairs. Loans are secured with a mortgage, have a simple 5.49% fixed interest rate, and are payable over the course of seven (7) years. Loan can be combined with other programs. The home repaired must be the homeowners' primary residence. The homeowner chooses the contractor for their home improvements/repairs, but the contractor must be insured and have proper certification.

Loans and grants are available to very low income rural residents who own and occupy a dwelling in need of repairs. Funds are available for repairs to improve or modernize a home or to remove health and safety hazards. Loans are at 1% and may be repaid over a 20-year period. Grant funds are used to make repairs/improvements to make the dwelling more safe and sanitary, more accessible, or to remove health and safety hazards. Loan funds can be used for more various purposes.

Application/Program currently closed, it was advised to call or visit the website for updates on additional funds. The Long Island Housing Partnership will provide deferred forgivable loans to qualified single family homeowners. The property being repaired must be located in Nassau or Suffolk Counties and must be owner occupied. The purpose of the forgivable loan is to improve housing conditions and correct code violations to make the housing units safe, sound and sanitary. This program is available on a first-come, first-served basis.

The RESTORE Program is an emergency home repair program for homeowners 60 years of age and older and assists residents of Essex County with single-family home repairs through grants up to $10,000. Pre-applications are received at any time and depending on available funds qualified applicants will be chosen on a first come, first served basis.

A 24/7 rapid emergency repair grant program called Neighbors Helping Neighbors. These grants are up to $1,500 for quick emergency repairs.

A certified Hud-housing agency that provides tenant assistance, eviction prevention, home ownership counseling, landlord-tenant mediation, foreclosure counseling, first time home buyer counseling, reverse mortgage counseling, and housing court assistance. A loan/grant program is in place to assist with home improvement, weatherization and applications for funding for other housing-related services.

Home Rehabilitation provides grants for home modification to increase accessibility for eligible individuals who are disabled.

The RESTORE Program is an emergency home repair program for homeowners 60 years of age and older and assists residents of Essex County with single-family home repairs through grants up to $10,000. Pre-applications are received at any time and depending on available funds qualified applicants will be chosen on a first come, first served basis.

Eligible Landlords/Owners may receive up to $25,000 per rental unit that qualifies towards needed repairs under this program in exchange for maintaining rent increases at certain levels. The funds may be used for needed repairs of rental properties up to eight units in a single building. Repairs should include correcting any physical condition related to the health or safety and other improvements to prolong the life of the building. Essential improvements may include but is not limited to, replacement of a roof, upgrade of electrical, windows, accessibility ramps, plumbing, and heating systems.

Offers emergency home repairs and repairs for owner occupied single family homes in order to help repair or replace water wells and septic systems. Repairs are for the health and safety of residents and structural integrity of the home.

Offers two programs for low-income senior citizens that includes minor home repairs such as handicap ramps, leaky faucets, caulking, window repair, hand rails, grab bars, weatherization, crime prevention, gutter cleaning, etc. Call for a list of types of repairs provided and to schedule an appointment.

Provides emergency repairs to homes owned and lived in by senior low-income households.

Provides loans for homeowners in Erie County to make health and safety repairs to their homes. Eligible repairs include but are not limited to furnace and electrical repairs, repairs to address sewer/plumbing emergencies, and lead paint remediation. Program is funded by ECDSS, and loans are serviced by Home HeadQuarters, a non-profit, certified Community Development Financial Institution.

Provides housing renovation solutions for veterans and active duty military who need safe, medically appropriate, and affordable housing as the journey back to civilian life. All renovations are at no cost to the veteran or family through the generous support of individuals, foundations and corporate contributors.

Provides subsidized rental assistance, first time home buyers incentive programs, fair housing opportunities and facilitates the housing discrimination complaint process. Provides home ownership assistance for low-moderate income families, offers senior housing information and aid with reverse mortgages, nursing home and hospital assistance, counseling for home buyers, homeowners and tenants, home rehabilitation funds and block grants to communities for economic development and job creation, lead based paint abatement, and Indian housing information.