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Home HeadQuarters Mortgages and Loans City of Syracuse

Home HeadQuarters 
First Mortgage Program

Home Headquarters, Inc. provides a limited number of mortgages to first time buyers in the City of Syracuse. Buyer must have completed Homebuyer Education Course and one-on-one counseling through the Home Ownership Center at Home HeadQuarters. Program targets neighborhoods that have a stabilization and revitalization focus

Down Payment and Closing Cost Assistance Program
  • First-time buyers in the City of Syracuse and Central New York
  • Provides up to $3000 ($1,500 for 2-family home).
  • For buyers looking outside the City of Syracuse, assistance is a low-interest loan only.
  • The purchase price of the single or two-family home cannot exceed $99,900.
  • Must occupy and own your home for five years.
  • $500 minimum down payment from buyer's funds.
  • Income must fall at or below 80% of income guidelines. See income guidelines.
  • Buyer's liquid assets may not exceed $7,500.
  • Covers only customary closing costs.
  • To be eligible must complete the Homebuyer Education Course through the Home Ownership Center at Home HeadQuarters.

Home Improvement Programs


S.H.A.R.P. (City of Syracuse)
  • Home improvement grant for minor exterior repairs up to $1,000.
  • Homeowner must contribute 10% of their own funds to project.
  • Must be current on property tax and water bills.
  • Must meet income eligibility of 80% or below. See income guidelines.
  • First come, first serve basis starting in spring of each year.
  • Program made available through City of Syracuse CDBG program.

Urgent Care (City of Syracuse)
  • Up to $20,000 in loans for emergency home repair for homeowners in City of Syracuse.
  • Repairs covered include leaking roofs, sewage backup, broken furnaces, code violations and other life/safety issues.
  • Must meet income eligibility of 80% or below. See income guidelines.
  • Based on income, portions of loan may permanently deferred.

FlexFund Home Improvement
  • Up to $15,000 in loans for general home repairs and energy related improvements.
  • Available to homeowners in Central New York who are limited from borrowing due to home equity limitations.
  • Seven year term with 3.99% interest rate (4.74% APR).

Onondaga County Neighborhood Initiative
  • Up to $10,000 in home improvement loan at 1% for seven year term.
  • Available for exterior home repairs in targeted neighborhoods of Strathmore, Elmwood, North and South Valley in the City of Syracuse, Mattydale in the Town of Salina, Villages of North Syracuse and East Syracuse and a portion of Cicero.
  • Partnership between Onondaga County and Home Headquarters, Inc.
  • Repairs may include: Roof Repair or Replacement, Exterior Painting, Step Replacement, Porch Repair, Window Replacement, Exterior Door Replacement, Sidewalk Replacement, Driveway Repair, Fence


Please see Frequently Asked Questions to find out more about available Home Headquarters, Inc. programs.

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