Housing Programs

Home Buyer and Counseling

CMHDC administers federal and state grants to help with the purchase of a new home.
All programs have special guidelines and/or restrictions.
We also provide home owner counseling for first time home buyers and credit counseling for all home owners.

See our “NEWS” page for a schedule of upcoming classes.  The classes, in some cases, are a requirement for financial assistance through our homebuyer programs.

Current Programs

Single Family Home Repairs

CMHDC can help out owners of single family homes to do necessary, non-cosmetic repairs on their single family homes.  We can fund 60% of the costs or 100% of the costs of repair.  To qualify:

You must own your home as a primary residence within Greene County

You must be current on your mortgage, property taxes and insurance

If your household income is below 50% of HUD Median income you can qualify for 100% of costs.

If your income is below 80% of HUD Median Income you qualify for 60% of costs

Trailer Replacement Program

CMHDC can help you replace an existing mobile home, trailer or modular unit home that is in a state of severe disrepair.  To qualify:

You must own the land on which the trailer sits.  It must be in Greene County

You must be current on your mortgage, property taxes and insurance.

Your income must be below 50% of HUD Median Income

HUD Median Income Table

Persons in HH 1 2 3 4 5 6 7
50% of AMI $20,050 $22,900 $25,750 $28,600 $30,900 $33,200 $35,500
80% of AMI $32,050 $36,600 $41,200 $45,750 $49,450 $53,100 $56,750

Foreclosure Counseling

CMHDC can assist current homeowners who are having difficulty with or are behind on their mortgages.  We cannot offer financial assistance but we can help you organize an application

Acquisition/Rehabilitation:
Find an existing home in need of repair.
Grant funds are available for down payment, closing costs and repair costs.

First Time Homebuyer:
Funds available to assist home buyers with down payment and closing costs on their first home.
Homes must pass HUD standards to qualify.

Home Buyer Counseling:
A series of workshops to help answer questions on how to shop for a home,
how much of a mortgage you can afford, which mortgage to apply for, the mortgage process, etc.
This program is open to all.

See the “News” page for dates of upcoming courses.

Credit Counseling:
We will work with you and your creditors in an effort to lower monthly payments,
stop foreclosure, and get you back on the right track.
This program is open to all.

Please call for further information (518) 943-6700, stop by our office at 448 Main Street, Catskill, NY

Donna Perrino, our Home Buyer Program Administrator, will be happy to speak with you!

or e-mail donna@cmhdc.org

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