Home Ownership Made Easy in Schenectady

A partnership between the City of Schenectady, area banks, realtors, and other housing-related entities to help promote and facilitate homeownership in our city.






Available Properties

Capital Region Land Bank and City-Owned Properties For Sale


Homes Partners

Click Here For Information and Resources From Our Partners


Open House Dates 2016
March 20th


More Information

Homes Brochure

 Better Value in Schenectady

Is It Better to Rent or Buy?




For more information, please contact

Matthew Smith

105 Jay St, Room 14

Schenectady 12305

518-382-5199 ext 5393


Homeowner Resources

 The City of Schenectady's Lead Safe Housing Program

First Time Home Buyer’s Program

Provides funding assistance for first time home purchasers within the City of Schenectady. 

The program is called the "Second Mortgage Program" and provides the following to eligible applicants:

  • A loan of up to 10% of the purchase price of a property to use toward down payment and/or closing costs

  • An interest rate of 4% with a 5-year term

  • 75% of the assistance will be converted into a grant if the purchaser resides in the property for five years

One, two and three unit residential properties are eligible.  Houses must be in standard condition and able to pass a Certificate of Occupancy inspection and Lead Based Paint Clearance.

Applicants must meet federal income eligibility requirements and have a mortgage loan approval from a lender for at least 90% of the purchase price prior to application.

Schenectady Housing Development Fund Corporation First Time Homebuyers Assistance Program Application and Guidelines



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