Get the lowest interest rates available through SONYMA with the Achieving the Dream Program. This 30-year fixed mortgage offers low fees, flexible down payment options, and can be combined with other grants or subsidies.

Use this program to buy a home with a lower down payment requirement, including 1-4 family homes, condos, co-ops, and manufactured homes. This 30-year fixed-rate mortgage offers competitive interest rates and down payment assistance.

Purchase, refinance, or site a manufactured home that is permanently affixed to a foundation on owned or leased land. Low rates, down payment assistance, and flexible terms are available for qualified buyers.

Add this loan to any SONYMA mortgage program to help cover your down payment, closing costs, and/or mortgage insurance. This 0% interest loan can lower your monthly payments and make buying your first home more affordable.

Apply for this interest-free, deferred payment second mortgage to help cover your down payment, closing costs, and/or mortgage insurance. It can be combined with any SONYMA first mortgage.

Access financing for households in underserved communities with the Credit Is Due Program. It offers 30-year fixed-rate mortgages, flexible terms, and can be combined with optional down payment assistance.

Use SONYMA’s RemodelNY Program to buy a home and finance eligible repairs. This program can be combined with SONYMA’s Low Interest Rate and Achieving the Dream Programs, as well as Homes for Veterans or historic home tax credit benefits.

Discover low-interest home loans for veterans, active service members, and their spouses. Get down payment assistance, lower interest rates, and flexible terms to make homeownership more accessible.

Access low-interest mortgages and down payment assistance through this program for recent college graduates. Combine this with other SONYMA grants and programs to make buying your first home easier.