First Time Homebuyer Assistance

  1. Introduction & Program Description
  2. Program Guidelines

Orange County Office of Community Development (OCD provides financial assistance for 1st Time Homebuyers’ down payment and closing cost. The source of assistance is an allocation of funds from the U. S. Department of Housing and Urban Development (HUD) HOME Investment Partnership Act Program. The purpose of this Program is to provide financial assistance for down payment and closing cost to households that earn eighty percent (80%) or less of the Orange County Area Median Income based on household size.

Primary Provider

Orange County has designated PathStone of Newburgh, Inc. as the primary provider of HOME Program down payment and closing cost assistance. PathStone of Newburgh, Inc. is a HUD-certified home buyer counseling agency that provides Home Buyer Counseling for person eligible to receive down payment and closing cost assistance. OCD must ensure that recipients of down payment and closing cost assistance have attended and successfully completed a 1st Time Homebuyer Counseling course.

PathStone, Inc. assists OCD in providing down payment and closing cost assistance by packaging and referring applicants that have completed their training and received firm commitments of mortgage loan finance from a primary mortgage lender. Pathstone Newburgh, Inc. can be reached by phone at 845-569-0770


Individuals and families that are purchasing a one-to-four-family residence, condominium unit, cooperative unit or combination of manufactured housing and lot and who have not owned a home during the past three-year period are eligible to receive assistance. The term first-time homebuyer also includes an individual who is a displaced homemaker or single parent.

Down payment and closing cost grants are typically the lesser of six-percent (6%) of the appraised value of the premises or $10,000. OCD will make a determination concerning the suitability of the proposed purchase and the eligibility of each household based upon information provided by PathStone of Newburgh, Inc. about household income and other sources of funds used to purchase the home.

Public Notice

Special notices will be provided to local community development housing organizations, public housing agencies, mortgage lending institutions, and neighborhood-based housing agencies to inform them of Orange County’s 1st Time Homebuyer Program. Residents and tenants of public and manufactured housing and other families assisted by public housing agencies are encouraged to apply for down payment and closing cost assistance.