“Funds help hardworking families afford..costly home repairs and upgrades, keeping folks in their homes and improving the community.” - Assemblyman Bill Magee

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In partnership with The City of Oneonta, Opportunities for Otsego offers financial assistance to low-to-moderate income homeowners to make necessary repairs to address aged, deficient, and unsafe home conditions.  Homes must be owner-occupied, single family and be located within The City of Oneonta*.  

Applicants must be current on mortgage payments, property and school taxes, and homeowner/flood insurance payments.

Funds are available on a first-approved, first-served basis, with disabled and elderly homeowners given priority. Opportunities for Otsego expects to assist approximately twenty-one (21) homeowners until all funds are expended. 

We may provide:

  • Up to $36,000 in a deferred loan to complete necessary repairs and energy upgrades. Amount of the award is dependent on the scope of work to be completed on individual homes and program funds available.
  • Free home energy audits and safety assessments. 
  • Development of a home repair work scope and cost estimates.
  • Assistance in identifying and communicating with qualified contractors and reviewing contractor estimates.
  • Linkages to lending institutions and community support services 
  • Connection to home energy conservation and assistance programs (e.g. Weatherization, NYSERDA)

Get help today:

  • Call us at 607.433.0444, extension 101
  • Visit our offices at 3 West Broadway, Oneonta
  • Download an application and submit to Opportunities for Otsego: Home Repair Program - 3 West Broadway - Oneonta, NY  13820.  To expedite the approval process, please submit all required documentation with the application. 

Funded by:

  • NYS Homes & Community Renewal(HCR); Affordable Housing Corporation (AHC)

Administered in Partnership with:

Resources: 

  • Frequently Asked Questions (FAQ) - coming soon

Income eligibility:

Programs Maximum Annual Household Income/Family Size
1 2 3 4 5 6
HOME Program $36,050 $41,200 $46,350 $51,450 $55,600 $59,700
AHC Home Improvement $40,410 $46,144 $51,878 $57,613 $62,272 $66,842
             

The City of Oneonta is providing home repair and rehabilitation funds through two different grants from New York State, which have different income eligibility thresholds.  The HOME program is 80% of the area median income and the AHC Home Improvement program is 112% of the area median income.  Based on these income guidelines and other eligibility factors, OFO/The City of Oneonta will determine which program best fits your household situation.  The chart  is to help potential applicants decide if they initially qualify for assistance. 

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* If you live outside The City of Oneonta, you may be able to obtain assistance through programs administered through Otsego Rural Housing Assistance, the Otsego County Planning Department, or one of the housing programs administered by USDA Rural Development.  Available USDA programs:

 For more information, visit their website or call the Rural Development office at 518.295.8600 ext 4.