Home Ownership

We are pledged to the letter and spirit of the U.S. policy for achievement of equal housing opportunity throughout the Nation

Putnam County Housing Corporation (PCHC) offers an enhanced first homebuyer program to prepare you for homeownership readiness.

Topics will include, housing goals, credit review, budget, savings, mortgage readiness and finance options such as FHA, Conventional, GSE loans, and Federal Home Loan Bank of New York Homebuyer Dream Program. Part of the program also includes an education piece as described below.

Street of large suburban homes

First Home Buyer Intake Application

Please complete the First Home Buyer Intake Application. Margherita Diaz, HUD Certified Housing Counselor/Housing Program Manager will review the competed form and contact you to schedule an appointment.

Please be sure to fill out all questions on the application.

PCHC partners with eHome America to provide their online Home Buyer Education.

Register through the eHome portal below. *$99 fee. Upon completion of the online training and test, the client is referred to PCHC to complete one hour of counseling and receive their certificate of completion.

Federal Home Loan Bank of New York (FHLBNY)-Homebuyer Dream Program

FHLBNY provides assistance up to $14,500 per eligible household to use for down payment and/or closing cost. The programs eligibility requirements include households earning equal or less than 80 percent of the area median income and to complete homebuyer counseling program. This 2020 grant round is closed at this time.

In Putnam County, some of the participating banks to assistance and review first home buyers for eligibility of this grant include:

  • Tompkins Mahopac National Bank

  • M&T Bank

  • PCSB Bank

  • Hudson Valley Federal Credit Union

More information on this grant program can be found at the FHLBNY website

Section 8 Voucher Homeownership Program

Participants in the Housing Choice Voucher Program in Putnam County may be eligible to purchase their own home by allowing the family to use their voucher subsidy to meet monthly homeownership expenses. For more information contact Edie Garvey, Family Self- Sufficiency Coordinator at ext. 213.

If you need assistance accessing information through an alternative means, please be aware PCHC offers free interpretive services. The hearing impaired can call TDD Relay number 711 for assistance.

Contact PCHC via email at puthousing@aol.com. Our offices are handicapped accessible.
If you need assistance for mobility impairments or other disabilities please contact the office prior to your appointment to ensure accommodations are in place.

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