Buffalo & Erie County:
NYS Resilient Retrofits
50/50 Loan/Grant Program

Buffalo & Erie County homeowners may be eligible for up to $50,000 in a 50/50 loan/grant program to undertake flood mitigation measures and other climate-ready improvements to their homes.

PROGRAM DETAILS AND ELIGIBILITY

• Up to $50,000 in a combination low-interest loan with matching grant for flood mitigation and energy efficiency and electrification improvements (main structure of the home only)

• Loans are at a 1% simple interest rate and are payable over 5-10 years

• Grant portion, of up to $25,000, is considered a deferred loan through the term of the loan and forgiven once the terms of the loan are satisfied

• Homes located in Extreme Risk Areas, Floodways and Coastal Erosion Zones may not be eligible to participate and/or may require additional review

• Homeowners choose their own properly insured and certified contractor(s)

• Household income must be at or below 120% of HUD median income

• No minimum credit score required

• Primary residences only

• Owner-occupied, 1-4 unit buildings allowed

• Homeowner must undertake a flood mitigation measure as part of the overall home improvement. See examples of eligible flood mitigation repairs here.

Please email info@homehq.org or call 1-833-DRY-WARM (833-379-9276)  

The Buffalo & Erie County NYS Resilient Retrofits 50/50 LoanGrant Fund is administered by Home HeadQuarters with assistance from the Community Development Long Island (CDLI) and made possible with funding from NYS Homes and Community Renewal.