New York, New York · Loan
HomeFix
Run by NYC Department of Housing Preservation and Development (HPD), with the Center for NYC Neighborhoods and Sustainable Neighborhoods LLC
New York City owner-occupants of one- to four-family homes with income up to 120% of area median can get no-interest, forgivable loans for repairs such as roofs, heating systems, water heaters and energy efficiency upgrades: up to $100,000 for a one-unit home.
Amounts
How much you get
No-interest, deferred, forgivable loan sized to the home's repair needs, with no monthly payments. The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| One-unit home | N/A |
| Two-unit home | N/A |
| Three-unit home | N/A |
| Four-unit home | N/A |
Eligibility
Do I qualify?
You need to meet all 7 of these.
Your home is in New York, New York.
Household income at or below 120% of Area Median Income.
You must own and live in the home as your primary residence, and keep it as your primary residence for the loan term.
One- to four-unit homes in New York City.
You must be current on your mortgage and on DEP (water/sewer) and Department of Finance charges, or on an active payment plan with those agencies.
What to doBring your mortgage, water/sewer and DOF charges current, or enroll in a payment plan with DEP and DOF.
Applicants with a credit score under 640 or a debt-to-income ratio over 45% must complete housing counseling with an HPD partner nonprofit before closing.
What to doRegister with an HPD partner nonprofit counseling agency and get the completion certificate before closing.
Loans above $50,000 with work in an additional unit require a rental regulatory agreement: rent increases of no more than 2% a year, and vacant units rented at or below 120% of AMI.
Equipment
What equipment counts
Applying
How to apply
Get approved before you buy anything.
- Complete the HomeFix intake form on the CNYCN website.
CNYCN then contacts you to start the application; you can also call the Homeowner Hub at (646) 513-3470.
- The partner reviews income, mortgage and city-charge status.
Applicants with a credit score under 640 or DTI over 45% complete housing counseling first.
- The HomeFix partner develops the scope of work.
HPD must accept the scope; the administrator approves contractors and monitors construction.
- Close on the loan and the work is done.
A lien or mortgage is recorded; no monthly payments.
Forms and instructionsSustainable Neighborhoods: Our Lending Products (HomeFix) · HPD HomeFix 2.0 Program Term Sheet (updated September 2026) · HPD HomeFix
Questions about applying(646) 513-3470
Stacking
Use it with
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.
Is it available at your address?
Before anything else
Register with an HPD partner nonprofit counseling agency and get the completion certificate before closing.
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does HomeFix pay?
Up to $190,000.
Is there an income limit?
Household income at or below 120% of Area Median Income.
Do renters qualify?
You must own and live in the home as your primary residence, and keep it as your primary residence for the loan term.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. Applicants with a credit score under 640 or a debt-to-income ratio over 45% must complete housing counseling with an HPD partner nonprofit before closing. Register with an HPD partner nonprofit counseling agency and get the completion certificate before closing.
Is it still available?
Yes. It was open when we last checked, on October 26, 2026.
Plain words
Words used on this page
- AMI
- Area median income: the middle household income where you live, set each year by HUD.
References
Sources
This page is built from these official pages, run by the program itself.
- Sustainable Neighborhoods: Our Lending Products (HomeFix)
- HPD HomeFix 2.0 Program Term Sheet (updated September 2026)
- HPD HomeFix
When one of these pages changes, we re-check this page against it.
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