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Homebuyer Dream Program

The Homebuyer Dream Program™ (HDP) is a grant program financed by the Federal Home Loan Bank of New York (FHLBNY) to assist individuals and families with the purchase of their first home.

The 2019 program received significant support and all available Homebuyer Dream Program funds have been fully exhausted. Contact a CNB Loan Originator for alternative mortgage solutions.

Homebuyer Dream Program:

  • First-time home buyer
  • A grant of up to $15,000 per household
    ($14,500 for down payment and other expenses,
    additional $500 for defrayment of non-profit counseling agency costs)
  • Low down payment
  • Available on a first-come, first-served basis

The Homebuyer Dream Program™ (HDP) is a grant program financed by the Federal Home Loan Bank of New York (FHLBNY) to assist individuals and families with the purchase of their first home.

Homebuyer Dream Program:

  • First-time home buyer
  • A grant of up to $15,000 per household ($14,500 for down payment and other expenses, additional $500 for defrayment of non-profit counseling agency costs)
  • Low down payment
  • Available on a first-come, first-served basis

What does the FHLBNY provide through the HDP?


How do I qualify?


How do I sign up?


CNB Mortgage Company - Licensed New York Mortgage Banker, NYS Department of Financial Services, NMLS ID 213408.
CNB Mortgage Company is a wholly owned subsidiary of Canandaigua National Bank & Trust.

Canandaigua Office - 72 South Main Street, Canandaigua, NY 14424 | Pittsford Office - 63 Monroe Ave, Suite A, Pittsford, NY 14534