UB H.O.M.E. Program

The UB H.O.M.E. program is being funded by the University at Buffalo Foundation (UBF) in partnership with West Side Neighborhood Housing Services (West Side NHS), Inc., a NeighborWorks America Chartered Member with a proven track record of housing and community revitalization.

Qualified buyers will be eligible for a combination of interest–free deferred and forgivable loans of up to $5,000, which can be used to help cover down payments and closing costs or for interest rate reduction. Up to $7,500 is available for homes in the target area east of Bailey Avenue.  

Properties eligible for the UB H.O.M.E. program are indicated on the map below. Up to $5,000 in funding is available for homes within the blue section of the map and up to $7,500 is available for homes within the orange section.  

Each loan is made up of a UBF-funded piece and a West Side NHS-funded piece. The UBF portion will be forgiven if the original homebuyer remains in the home for a minimum of five continuous years. The West Side NHS portion is an interest-free, deferred loan that must be paid back when the home is sold.

• $5,000 loan—$2,500 from UBF funding and $2,500 from West Side NHS funding; $2,500 forgiven after five continuous years of owner occupancy; $2,500 to be repaid to West Side NHS when home is sold
• $7,500 loan (if in specially targeted area)—$5,000 from UBF funding and $2,500 from West Side NHS funding; $5,000 forgiven after five continuous years of owner occupancy; $2,500 to be repaid to West Side NHS when home is sold

• Additional down payment and closing cost assistance programs from various agencies
  
• Financial aid and credit counseling
• Homebuyer education and post-purchase education courses
• Home improvement loans

If you have questions or would like to apply to the UB H.O.M.E. program, contact Pamela Kwiatkowski or Michele Gil at West Side NHS: (716) 885-2344.