Home Buying Assistance

How can this program assist you?

You may receive funds to make a home affordable to your family. Subsidy is based on a case by case basis.

These funds can be used to:

  • Reduce the mortgage principal so monthly mortgage payments are affordable.
  • Pay reasonable closing costs.
  • Provide assistance to correct limited code or structural deficiencies when funds allow it.
  • Address Lead Based Paint concerns.

In addition, you will receive information in obtaining suitable bank financing.

HAPEC is a HUD Certified Housing Counseling Agency which provides comprehensive counseling services.

Are you eligible for assistance?

The program requires a participant to be a first time home buyer. You may be eligible, however, if you or your spouse have not owned a home for the past three years; or if you are a displaced homemaker; or if you are a single parent who owned a home with your spouse or previously resided in a home owned by a spouse.

For additional first time home buyer options for purchasing both within Essex/Clinton Counties as well as anywhere within the Adirondack Park please check out www.adkhousing.org for another type of funding for homebuyer assistance.

Homebuyer Education

In Person Homebuyer Class Schedule

Due to the Covid 19 Pandemic, we are currently not offering our in person Homebuyer Education Classes.

Sign Up for Online Classes

Create an account on our eHome America website and sign up for your online class.

Ehome America

Download These Forms

If you have a printer, you can download the necessary forms to apply for Home Buying Assistance directly from this web site. Just click any of the links below and save the file to your computer. You can then use your computer’s printer to print the forms. Once you print and fill out the forms, mail them to:

Housing Assistance Program of Essex County
P.O. Box 157
Elizabethtown, NY 12932

The following forms are required:

Homebuyer Application
Household Budgeting Worksheet

The following forms and guides may be helpful:

Housing Services Directory