First Time Home Buyer Programs NYC: How to Get $100K Toward Your Home (2026)

Описание: First time home buyer programs in NYC can give you up to $100,000 toward your first home. From the HomeFirst down payment assistance program to the Homebuyer Dream Program and SONYMA loans, here is every grant and program available to first time buyers in New York City in 2026.

What if the City of New York would give you up to $100,000 to buy your first home? Not a bank loan. Not a family gift. A forgivable second mortgage from NYC's HomeFirst program -- and most people have never heard of it.

In this video I break down every major first-time buyer program available in NYC right now:
HomeFirst: up to $100K toward down payment & closing costs (forgivable!)
Homebuyer Dream Program (HDP): up to $30K GRANT -- you don't pay it back
SONYMA: below-market mortgage rates + $15K down payment assistance loan
FHA loans: 3.5% down with 580 credit score
VA loans: zero down for veterans
How to stack programs for up to $130K combined
Step-by-step application process
The 3 biggest mistakes that disqualify buyers

FREE First-Time Buyer Programs Calculator:
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TIMESTAMPS:
0:00 $100K for your down payment?
1:00 The real barrier to homeownership
1:30 Free Programs Guide download
2:00 HomeFirst: up to $100K
3:30 HDP: $30K grant (no repayment)
5:00 SONYMA: below-market rates + $15K
7:00 FHA & VA loans explained
8:00 Stacking programs together
9:00 Step-by-step application process
10:30 3 biggest mistakes buyers make
12:00 Your next steps

ABOUT:
Joseph Ranola | Bridge and Boro Team at Real Broker
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Serving Staten Island & Brooklyn

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#FirstTimeHomeBuyer #NYCRealEstate #DownPaymentAssistance #HomeFirst #SONYMA