Grant + Loan

60/40 Combo Home Repair Program

Do you need help making health & safety repairs to your home, or to upgrade your heating system for Buffalo’s harsh winters? We offer a 60/40 Grant + Loan Home Repair Program for eligible homeowners in the City of Buffalo. Scroll down for more information!

Grant + Loan Home Repair Program

We offer a Grant + Loan Home Repair Program to help Buffalo residents with health & safety projects. If you have a credit score of 620+, and have owned and lived at your property for at least 6 months, our lending staff will work closely with you to assess your eligibility for loan financing and partial grant funding. All grants are paired with a pre-approved loan through our Loan Services department and are combined with a lead-risk assessment and remediation.

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Home safety repairs only (No vanity renovations) – Qualified rehab projects may include:
  • Roof/Chimney/Gutter Replacement
  • Exterior Painting/Siding
  • Porch and Stair Repair
  • Furnace/Hot Water Tank Replacement
  • New Windows and Doors
  • Lead Paint Abatement
  • Electrical/Plumbing Repairs
  • Other Home Safety Repairs
  • **FREE** Home energy Assessment provided with 60/40 program
  •  No Cash Back at Closing

Household Income Eligibility – at or below 80% Area Median Income (AMI):

  • 1-Person Household: $43,500
  • 2-Person Household: $49,700
  • 3-Person Household: $55,900
  • 4-Person Household: $62,100
  • 5-Person Household: $67,100
  • 6-Person Household: $72,050
  • 7-Person Household: $77,050
  • 8+ Person Household: $82,000

**Note: Minimum Credit Score for this program is 620

How to Apply:

      1. Click here to download and complete the pre-screening form
      2. There is a $15 non-refundable credit report fee associated with the formal application process ($25 if there is a co-applicant)
      3. E-mail your completed pre-screening form and supporting documents listed below to:
      4. A Customer Journey Specialist will follow-up with you to discuss the next steps of the Grant + Loan Home Repair Program application process

Required Supporting Documents:

  1.  Proof of household monthly income (this includes income for all other residents living in your household)
  2.  Copy of your driver’s license or Government-issued ID
  3. Two full months of bank statements

Important Notes About the Grant + Loan Home Repair Program:

  • This is just the initial pre-screening process. You will be asked for additional supporting documents in the next phase of the application process. 
  • Amount of grant funding varies based on income eligibility.
  • Competitive market rates apply.
  • Grant-only project funding is not available.
  • All grants are paired with loans.
  • A non-refundable credit application fee of $50 will be required upon submission of full application. 

If you have any questions, feel free to e-mail us at: or call (716) 885-2344