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Dutchess County, New York · Loan

Dutchess County Owner-Occupied Property Rehabilitation Program

Run by Dutchess County Department of Planning & Development

Low- and moderate-income Dutchess County owners of single-family homes can get up to $40,000 as a deferred loan with no monthly payments to fix major systems such as furnaces, roofs, electrical and plumbing, with higher income limits for households 60 and over.

Open Checked Oct 26, 2026
Apply before you buy or install anything.Purchases made first don't qualify.

Amounts

How much you get

Deferred loan of $1,000 to $40,000 with no monthly payments, sized to the repairs needed to meet HUD Housing Quality Standards and the state building code. A lien stays on the home for 5 to 10 years; nothing is forgiven in the first five years, then the balance is prorated. Applications needing more than $40,000 of work are rejected.

Eligibility

Do I qualify?

You need to meet all 5 of these.

  • Your home is in Dutchess County, New York.

  • Households 60 and over: income up to $70,500 (1 person) through $116,850 (6). All other homeowners: up to $44,100 (1) through $73,050 (6).

  • Single-family, detached, owner-occupied home worth no more than $383,000 after rehab, with at least one code or health-and-safety violation.

  • Fee simple owner for at least one year; U.S. citizen or lawful permanent resident. Life tenants are not eligible.

  • Mortgage (if any) and property and school taxes current; county lien plus existing financing generally no more than 90% of appraised value. Reverse mortgages are ineligible.

Applying

How to apply

You apply by mail. Get approved before you buy anything.

  1. Download the application and guidelines (dutchessny.gov/srproprehab).

    The application is valid for 30 days from mailing.

    Go to dutchessny.gov

  2. Submit the application with income, asset, tax, mortgage and insurance documents.
  3. County staff review eligibility and inspect the home.
  4. Sign the county/owner agreement, mortgage and note, and the owner/contractor agreement.
What you'll need

  • Two most recent federal income tax returns

  • Proof of income for all household members

  • Statements for all checking, savings, investment and retirement accounts

  • Current school and property tax bills showing they are paid

  • Most recent mortgage statement, if any

  • Proof of current homeowner's insurance

Forms and instructions, including for applying by mailDutchess County: Owner-Occupied Property Rehabilitation Program

Questions about applying(845) 486-3600 or communitygrants@dutchessny.gov

Your address

Next steps

Check that it covers your address. This program has to approve you before you buy anything, so start with the program, not a contractor quote.

FAQ

Questions

How much does Dutchess County Owner-Occupied Property Rehabilitation Program pay?

Up to $40,000 loan.

Is there an income limit?

Households 60 and over: income up to $70,500 (1 person) through $116,850 (6). All other homeowners: up to $44,100 (1) through $73,050 (6).

Do renters qualify?

Fee simple owner for at least one year; U.S. citizen or lawful permanent resident. Life tenants are not eligible.

Do I need approval before I buy?

Yes. Apply before you buy or install anything; purchases made first don’t qualify.

Is it still available?

Yes. It was open when we last checked, on October 26, 2026.

References

Sources

This page is built from these official pages, run by the program itself.

  1. Dutchess County: Owner-Occupied Property Rehabilitation Programdutchessny.gov · Read Oct 26, 2026 · Re-checked weekly
  2. Dutchess County Owner-Occupied Property Rehabilitation Program guidelines (updated 8/3/26)dutchessny.gov · Read Oct 26, 2026 · Re-checked monthly

When one of these pages changes, we re-check this page against it.

Report a problem with this page

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