RUPCO’s NeighborWorks® HomeOwnership Center has a wealth of information and resources to guide you through the process. Is your family is growing, and do you need more room? Wondering if homeownership is an option for you and your family? Get started today clicking on the get started button! Let us be your partner through the homebuying process. Buying a home is one of the biggest investments you make for your family. Many people feel the process can be confusing and difficult. We’re here to help guide you on the path to homeownership. Learn about affordable loan options and programs to boost your savings, and help you successfully purchase your first home. Still have questions? Read on.

RUPCO Homeownership


FREE Individual Mortgage Readiness Analysis

You are eligible to receive an in-depth mortgage readiness assessment from one of our certified housing specialists. They will review your income, credit, budget and savings, and set you on the path to homeownership. If you are ready, ask if you qualify for grants to assist you.

First Home Club

This First Home Club is a match-savings program offered by local lenders through the Federal Home Loan Bank of New York that will help you save up to $7,500 toward your first home purchase. This program is offered to income-eligible households that are first-time buyers. Every $1 you save towards the purchase of your first home will be matched with $4 up to a maximum of $7,500 ; the minimum savings time is 10 months.

Homebuyer Education

Creating knowledgeable homebuyers is our goal. Through our education program, we will walk you through the entire homebuying process. You will also benefit from meeting experienced professionals such as attorneys, lenders, home inspectors, realtors, and others who will share their local market perspectives. For your convenience, RUPCO offers both in-person and online education options that best fit your busy schedule.

Grants for First-Time Homebuyers

RUPCO successfully works with local municipalities to attain funding to assist low-income, first-time buyers with their home purchases. Qualifications for assistance vary depending on funding sources. You will learn more details at our workshop, where our counselors will explain current funding opportunities. Funding can be used for down payment, closing costs and/or post-closing repairs to the home.

Section 8 to Home Ownership

Section 8 to Home Ownership provides a wonderful opportunity for families receiving Housing Choice Voucher Program (Section 8) rental assistance to create roots in the community, create pride, and have a safe place for their children. Contact your HCV Specialist to see if you are eligible to apply.

USDA Mortgage Loan Packaging

RUPCO is an official packager of the USDA Rural Development 502 direct loan program. Counseling and completion of approved education is required to obtain these loans and is provided through RUPCO. Loans requirements regarding maximum loan amounts and income limits are set by county and is for eligible properties within designated rural areas. For more information see

RUPCO Homeownership Get Started

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