Housing Choice Voucher (HCV) Homeownership Program

The HCR Housing Choice Voucher (HCV) Homeownership Program helps first time homebuyers obtain and retain a home of their own by making monthly payments towards qualified homeownership expenses.  To participate, a family or individual must have an HCV voucher and meet all program requirements.  To apply, or for more information, see below and reach out to the Section 8 Local Program Administrator in your county. 

Although this program is primarily designed for working families, elderly and disabled persons and families may also qualify.  The minimum income requirements for participation include a stable monthly income such as wages from full-time employment, Social Security or other pension benefits. The minimum annual income eligibility may also vary by county.

HCR’s HCV Homeownership Program evolved from a small pilot program in calendar year 2000 to its current status as a national leader in homeownership closings, with over 750 successful closings since that time.

The family must:

• Be an HCR Housing Choice Voucher (HCV) Participant for at least one year
• Be a first-time homeowner or single-parent displaced homemaker
• Attend home buyer education classes*
• Be credit qualified and pre-approved by a mortgage lending institution that meets HUD guidelines as set forth in HCV Homeownership Program regulations
• Not have defaulted on a previous mortgage
• Select an eligible home type (includes single family, co-operative, condominium or manufactured homes)
• Select a home that passes a Housing Quality Standards (HQS) inspection before voucher assistance can be authorized
• Arrange and pay for an independent professional inspection of the home**
• Be responsible for any down payment on the home
• Pay at least 1% of any required down payment on the home from the family’s personal resources unless the family has secured 100% financing
• Occupy the home as their primary residence following closing

• Not sub-let any portion of the home at any time
  
  *For home buyer education classes, HCR has partnered with several HUD-approved housing counseling agencies located in each program area, see list below.  Generally, once an individual or family has completed home buyer education classes and received housing counseling, they may apply to a mortgage lending institution of their choice in order to become pre-approved for a mortgage and begin shopping for a home.

  **A copy of the independent professional inspection report must be provided to the local HCV Program office.  Based on finding in this report, the local Section 8 Program reserves the right to authorize voucher assistance.

Additional Information

If a family wishes to move from their current HCR local program area and continue to use voucher assistance to purchase a home in another area, they may do so as long as the receiving Housing Authority operates an HCV Homeownership program and is accepting new families.

The voucher assistance for homeownership is, depending on the term of the mortgage, limited to either ten or fifteen years.  These time limitations are not applicable to elderly or disabled families.

If you would like more information, please contact HCR's Statewide Housing Choice Voucher Program, an HCR Local Administrator that manages the HCV Home Ownership Program directly, or visit the HUD web site at https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/homeownership.

Housing Choice Voucher (HCV) Program Local Administrators

In New York City:

HCR directly administers the HCV Program in New York City through its Subsidy Services Bureau.

Subsidy Services Bureau
NYS Homes and Community Renewal
25 Beaver Street, 2nd Floor
New York, New York 10004
(212) 480-6672
Email: [email protected]

Outside New York City:

Outside of New York City, HCR's HCV Program is locally administered by Local Administrators. For more information on HCV Programs in areas listed below, contact the appropriate Local Administrator or the NYS HCR Statewide Section 8 Voucher Program at [email protected]. Or contact the U.S. Department of Housing and Urban Development (HUD) to determine if a PHA operates in your area.

Allegany
ACCORD Corporation
84 Schuyler Street
P.O. Box 573
Belmont, NY 14813
T: (585) 268-7605
F: (585) 268-7241

Cattaraugus
Chautauqua Opportunities, Inc.
132 North Union Street
Suite 107
Olean, NY 14760
T: (716) 372-2550
F: (716) 372-9107

Cayuga
Cayuga County Homsite Development Corp.
60 Clark Street
Auburn, NY 13021
T: (315) 253-8451
F: (315) 255-6114

Chautauqua
Chautauqua Opportunities, Inc.
402 Chandler Street
Jamestown, NY 14701
T: (716) 661-9430
F: (716) 661-9436

Chemung
Arbor Housing and Development
26 Bridge Street
Corning, NY 14830
T: (607) 654-7487
F: (607) 973-2202

Chenango
Greater Opportunities for Broome and Chenango, Inc.
44 West Main Street
PO Box 470
Norwich, NY 13815-0470
T: (607) 334-7114
F: (607) 336-6958

Clinton
Adirondack Roots
24 Margaret Street, Suite 1
Plattsburgh, NY 12901
T: (518) 825-0801
F: (518) 563-2824

Columbia
JEM Inc – Central Office
57 Phila St.
Saratoga Springs, NY 12866
T: (518) 372-8846
F: (518) 372-8467

Delaware
Delaware Opportunities, Inc.
35430 State Highway 10
Hamden, NY 13782
T: (607) 746-1650
F: (607) 746-1648

Dutchess
PathStone
2 Summit Court, Suite 301
Fishkill, NY 12524
T:(845)298-8998
F:(845)896.2769

Essex
Adirondack Roots
103 Hand Avenue
P.O. Box 157
Elizabethtown, NY 12932
T: (518) 873-6888
F: (518) 873-9102

Franklin
Franklin County Community Housing Council, Inc.
337 West Main Street
Malone, NY 12953
T: (518) 483-5934
F: (518) 483-0984

Genesee
PathStone
30 Jefferson Square
Batavia, NY 14020
T: (585) 343-3861
F: (585) 343-5442

Greene
RUPCO, Inc
289 Fair Street
Kingston, NY 12401
T: (845) 331-2140
F: (845) 331-6217

Hamilton
JEM Inc – Central Office
57 Phila St.
Saratoga Springs, NY 12866
T: (518) 372-8846
F: (518) 372-8467

Herkimer
JEM Inc – Central Office
57 Phila St.
Saratoga Springs, NY 12866
T: (518) 372-8846
F: (518) 372-8467

Jefferson
Lewis County Opportunities, Inc.
749 Leray Street
Watertown, NY 13601
T: (315) 788-0193
F: (315) 782-3813

Lewis
Lewis County Opportunities, Inc.
8265 State Rt 812
Lowville, NY 13367
T: (315) 376-8202
F: (315) 376-8421

Livingston
Wyoming County Community Action, Inc.
6470 Route 20A, Suite 1
Perry, NY 14530
T: (585) 237-2600
F: (585) 237-2696

Madison
JEM Inc – Central Office
57 Phila St.
Saratoga Springs, NY 12866
T: (518) 372-8846
F: (518) 372-8467

Nassau
Community Development Long Island (CDLI)
1660 Walt Whitman Rd, Suite 130
Melville, NY 11747
T: (631) 471-1215
F: (631) 471-2167

New York City
NYS Homes & Community Renewal
Subsidy Services Bureau
25 Beaver Street, 2nd Floor
New York, New York 10004
T: (212) 480-6672
F: (212) 480-6677

Niagara
Belmont Housing Resources for WNY
2393 Main Street 
Buffalo, NY 14214
T: (716) 884-7791
F: (716) 884-8026

Ontario
Geneva Housing Authority
41 Lewis Street
P.O. Box 153
Geneva, NY 14456
T: (315) 789-8010
F: (315) 789-8024

Orange
PathStone
1 Industrial Drive
Suite 3
Middletown, NY 10941
T: (845) 343-0771
F: (845)343-8494

Orleans
Pathstone
243 South Main Street Suite 100-102
Albion, NY 14411
T: (585) 283-4490
F: (585) 283-4525

Oswego
Oswego County Housing
46 East Bridge Street, 3rd Floor
Oswego, NY 13126
T:(315) 349-8263
F: (315) 349-8417

Otsego
Otsego Rural Housing Assistance, Inc.
140 Co Hwy 33W, Box 4
Cooperstown, NY 13326
T: (607) 547-8839
F: (607) 286-7244

Putnam
Putnam County Housing Corporation
11 Seminary Hill Road
Carmel, NY 10512
T: (845) 225-8493
F: (845) 225-8532

Rockland
Rockland County Department of Social Services 
50 Sanatorium Road, Building L
Pomona, NY 10970
T: (845) 364-3330
F: (845) 364-3222

Saratoga
JEM Inc – Central Office
57 Phila St.
Saratoga Springs, NY 12866
T: (518) 372-8846
F: (518) 372-8467

Schuyler
Arbor Housing and Development 
26 Bridge Street              
Corning, NY 14830
T: (607) 654-7487
F: (607) 973-2202

Seneca
Seneca Housing, Inc.
11 Auburn Road
Seneca Falls, NY 13148
T: (315) 568-2200
F: (315) 568-4311

St. Lawrence
St. Lawrence County Community Development Program
One Commerce Lane
Canton, NY 13617
T: (315) 386-1102
F: (315) 379-0380

Steuben
Arbor Housing and Development
26 Bridge Street
Corning, NY 14830
T: (607) 654-7487
F: (607) 973-2202

Suffolk
Community Development Long Island (CDLI)
1660 Walt Whitman Rd, Suite 130
Melville, NY 11747
T: (631) 471-1215
F: (631) 471-2167

Sullivan
PathStone
457 Broadway, Suite 5
Monticello, NY 12701
T: (845) 794-4880
F: (845) 794-4939

Tioga
Tioga Opportunities Program, Inc.
1023 State Route 38
Owego, NY 13827
T: (607) 687-0707
F: (607) 687-2017

Tompkins
Tompkins Community Action
701 Spencer Road
Ithaca, NY 14850
T: (607) 273-8816
F: (607) 256-1082

Ulster
RUPCO, Inc
289 Fair Street
Kingston, NY 12401
T: (845) 331-2140
F: (845) 331-6217

Washington
JEM Inc – Central Office
57 Phila St.
Saratoga Springs, NY 12866
T: (518) 372-8846
F: (518) 372-8467

Wayne
Geneva Housing Authority
41 Lewis Street
P.O. Box 153
Geneva, NY 14456
T: (315) 789-8010
F: (315) 789-8024

Westchester
CVR New York Westchester HCVP
112 East Post Rd., Room 102
White Plains, NY 10601
T: (914) 995-2415
F: (914) 995-5839

Wyoming
Wyoming County Community Action, Inc.
6470 Route 20A, Suite 1
Perry, NY 14530
T: (585) 237-2600
F: (585) 237-2696

Yates
PathStone
30 Jefferson Square
Batavia, NY 14020
T: (585) 343-3861
F: (585) 343-5442