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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.

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.

Provides financial assistance to reduce lead-based paint hazards in privately owned, residential structures throughout Onondaga County. Common repairs provided by the program include new windows, doors, and siding.

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.

Loans and grants for income and program qualified homeownersfor structural and health and safety repairs.

Offers home repair and modification assistance to homeowners to eliminate health and safety threats.

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.

Provides home improvement grants of up to $1500-$3000 income eligible City of Syracuse homeowners for minor exterior home repairs.

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.

Volunteers help the elderly, handicap and low income families with major home repairs such as roof repair, heating, hot water heaters and ramp construction.Homeowners OnlyAll Taxes and mortgage payments must be up to date

Offers homeowners loans of up to $10,000 at 1% interest, payable over 7 years, to be used for interior and exterior home improvements.

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.

Provides assistance by helping people receive funding from New York State to make disability-related modifications to their home by coordinating the needs and services of the architect and builder, and supervise the entire project. Projects include ramps, new bathrooms, kitchen adaptations, wider doorways, automatic door openers, chair or bed lifts, and even the conversion of entire rooms or additions.

Emergency help for home owners 60+ to correct problems that are threat to life, health, or safety of seniors in Broome County (leaky faucets, locks installed, safety devices, railings, wheelchair ramps, porch and stair repair, and more.) Call for details.