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Housing Programs

Housing Programs

The FHLBNY is committed to providing affordable housing opportunities to families and communities through our members.

The 2026 Homebuyer Dream Program^® (HDP^®) Rounds Are Open.

Homebuyer Dream Program^®
Homebuyer Dream Program^® Plus
Homebuyer Dream Program^® Wealth Builder

Affordable Housing Program (AHP)

AHP provides subsidized advances and grants to our members to help households earning 80% or less of the Area Median Income purchase or maintain their homes. It also enables organizations to purchase, rehabilitate, or construct apartment buildings in which at least 20% of the units are affordable to households earning 50% or less of the area median income.

Homebuyer Dream Program® (HDP®)

HDP provides funds in the form of a grant to be used towards down payment and closing cost assistance to first-time homebuyers earning at or below 80% of the Area Median Income and purchasing homes in any U.S. state or territory.

Homebuyer Dream Program® Plus (HDP® Plus)

HDP Plus provides funds in the form of a grant to be used towards down payment and closing cost assistance to first-time homebuyers earning above 80%, but not exceeding 120% to 150%, of the Area Median Income and purchasing homes in New York, New Jersey, Puerto Rico or the U.S. Virgin Islands.

Homebuyer Dream Program® Wealth Builder (HDP® Wealth Builder)

HDP Wealth Builder, a new program, provides funds in the form of a grant to be used towards down payment and closing costs to first-time homebuyers who currently live in majority-minority census tracts in our district or who qualify as first-generation homebuyers.

Affordable Housing Program

Forms, Agreements & Guidelines

Homebuyer Dream Program® Suite

Homebuyer Information
Reservation Request
Funding Request
Participating Members
Forms, Agreements & Guidelines

Links of Interest

Current Advisory Council Annual Report

Current Targeted Community Lending Plan

Housing & CLP Overview

Housing & CLP Quick Reference Guide

Current FHLBank System Corporate Social Responsibility Report

Latest Success Stories

bakery

Made Up Success Story for SBRG

Member:

Merchants Commercial Bank

Project Name:

Small Business Recovery Grant (SBRG) Program

Recipients:

My Brother's Workshop Cafe and Bakery

Sponsor:

Reliant Credit Union – HDP Homeownership Dream into Reality

Member:

Reliant Credit Union

Project Name:

Recipients:

David Hammond from Sodus, New York

Sponsor:

AHP-Funded Supportive Housing in Robbinsville, NJ

Member:

First Bank

Project Name:

Project Freedom Inc.

Recipients:

New Jersey Region

Sponsor:

See All Success Stories

FEDERAL HOME LOAN BANK OF NEW YORK

101 PARK AVENUE • NEW YORK, NY 10178
70 HUDSON STREET • JERSEY CITY, NJ 07302

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