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Homes and Community Renewal

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Achieving the Dream Program

SONYMA's Achieving the Dream Mortgage Program provides qualified low income first time homebuyers with low downpayment mortgage financing on one and two family dwellings (including condominiums and cooperative apartments, as well as manufactured homes permanently attached to real property) at a very low fixed interest rate.

Down payment assistance is available for the Achieving the Dream Mortgage Program.

Funds are available for minor repairs under the Achieving the Dream Mortgage Program.

  • Learn more about SONYMA's RemodelNY option.

All SONYMA Mortgage Programs require borrowers to meet certain Household Income and Purchase Price/Appraised Value limits.

To apply for a SONYMA loan you must contact one of over 50 Participating Lenders located statewide.

To compare the Achieving the Dream Mortgage Program with all other SONYMA mortgage programs, see our Program Comparison Chart.