Rochester NY First-Time Buyer Grant Calculator

Find out how much SONYMA + Homebuyer Dream Program money you qualify for. Stack multiple programs to minimize your cash needed.

2026 Homebuyer Dream Program is NOW OPEN. Funds are limited and awarded first-come, first-served.

Your Situation

Step 1 - Your Situation

Household Size

Gross Household Income / yr

First-Time Buyer?

3+ years since owning counts

Veteran / Active Military?

Total Potential Grants

$60,000

Based on your inputs

Up to $30,000 grant - does not need to be repaid. Available through Family First CU, GRB Bank, Five Star Bank. Funds limited - apply early.

Up to $30,000

Up to $30,000 - 0% interest, no monthly payment, forgiven after 10 years. For low-income qualifying buyers.

Up to $30,000

Up to $15,000 or 3% of purchase price - 0% interest, forgiven after 10 years. Combined with SONYMA mortgage.

Up to $7,500

Below-market interest rate mortgage (typically 0.5-1% below standard). Income limit: $86,480 for your household size.

ELIGIBLE

City of Rochester Home Purchase Assistance - up to $10,000 for buyers purchasing within city limits.

Not Eligible

Your Summary

Standard 10% down payment needed$25,000

Total grants you qualify for-$60,000

Your actual cash needed$0

Estimated monthly payment (30yr / 5.5%)$1,079

Rochester SONYMA Lenders

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