Onondaga County, New York · Loan
Onondaga County Neighborhood Initiative 1% Exterior Home Improvement Loan
Run by Home HeadQuarters, Inc., in partnership with Onondaga County
Homeowners in Cicero, North Syracuse, Mattydale, East Syracuse and Syracuse's Strathmore, Elmwood and North and South Valley neighborhoods can borrow up to $25,000 at 1% over seven years for exterior work such as window, door and roof replacement.
Amounts
How much you get
Loan of up to $25,000 at 1% interest, payable over seven years, for exterior home improvements.
Eligibility
Do I qualify?
You need to meet all 2 of these.
Your home is in Onondaga County, New York.
The home must be in Cicero, North Syracuse, Mattydale, East Syracuse, or the Syracuse neighborhoods of Strathmore, Elmwood and North and South Valley (see HHQ's neighborhood maps).
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Check the HHQ neighborhood maps to confirm your home is in the area.
- Fill out the Home HeadQuarters application and send documents to info@homehq.org.
- HHQ underwrites the loan; you hire the contractor and the work is done.
Questions about applyinginfo@homehq.org
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
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 Onondaga County Neighborhood Initiative 1% Exterior Home Improvement Loan pay?
Up to $25,000 loan.
Is it still available?
Yes. It was open when we last checked, on October 26, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
When one of these pages changes, we re-check this page against it.
Nearby
More in New York
Onondaga County, New York
SHAPE-UP (Safe Housing Assistance Program for the Elderly)
Up to $15,000
Homeowners 62 or older, or disabled, in Onondaga County outside Syracuse can get up to $15,000 for heating, electrical, plumbing and roof repairs plus storm windows and insulation, as a five-year deferred loan.
Checked Oct 26, 2026
All of New York
Comfort Home Program
Up to $3,000 back
Owners of one- to four-family New York homes who pay the System Benefits Charge on their electric bill can get $2,500 for an attic and rim joist seal-and-insulate package, $3,000 for a package that adds walls and floors, and $2,000 more for ENERGY STAR windows, through a Comfort Home contractor.
Checked Oct 26, 2026
All of New York
RESTORE (Residential Emergency Services to Offer Home Repairs to the Elderly)
Up to $20,000
Homeowners aged 60 and over with household income up to 100% of area median income can get up to $20,000 for emergency repairs, including repair or replacement of a failed heating or cooling system, through a local nonprofit or municipality that has RESTORE funding.
Checked Oct 26, 2026