How Do I Qualify for HOME Rochester?
HOME Rochester is a program that serves income-qualified, first-time homebuyers in the City of Rochester.

ALL BUYERS MUST:

  • Meet income requirements (see table below).
  • Be first-time homebuyers.
  • Get qualified through the City of Rochester.
  • Complete Pre and Post-purchase counseling.
  • Utilize a participating bank and qualify for a conventional, fixed-rate mortgage. Please see ‘Partners’ for a list of participating banks.
  • Contribute $1,500 to the equity of the home by closing.
  • Be able to maintain residency for 15 years.

Income and Household size requirements

Homes in the HOME Rochester program are sold mainly to families with income below 80% Area Median Income (AMI), but occasionally go up to 120% AMI. Please see the chart below to determine your AMI.

Fiscal Year (FY) 2024

HUD Regulations, Median Family Income (MFI) Income Limits
Rochester, NY MSA- MFI $97,000/family of 4

 

Home Rochester Application

All buyers must be qualified through the City of Rochester’s Home Buyer Services team. In order to qualify, please complete the application and submit to homebuyer@cityofrochester.gov.

Once qualified, buyers can request to be put on a waiting list for upcoming HOME Rochester homes or write a purchase offer on a home of interest.