Current 30-year rate in NY: 6.03% APR  ·  15-year: 5.50% APR(Updated April 15, 2026)

Rochester NY Down Payment Savings Calculator

See how long it takes to save your down payment - and how SONYMA programs + Homebuyer Dream Program grants can cut your cash requirement dramatically.

Target Home
$
%
Your Savings
$
$
SONYMA Grants (Optional)
$
$

Adjust these to $0 if you don't qualify. Check the SONYMA calculator.

Ready Now!

You have enough saved

10% Down Payment

$25,000

Est. Closing Costs (3%)

$7,500

Total Cash Needed (no grants)

$32,500

Total Grants Applied

-$37,500

Your Cash Required

$0

Already Saved

$5,000

Savings Progress