Welcome to Oswego Housing Development Council, Inc.

Comprehensive Housing Counseling
OHDC is a certified HUD Housing Counseling Agency. Our trained housing counselors provide a wide range of housing counseling services which include;
• Homebuyer education
• Home maintenance education
• Mortgage default/restructuring counseling
• Tenancy/fair housing counseling
• HECM counseling
• Financial literacy budget/debt counseling

Homebuyer Assistance Programs
OHDC Home Buyer Assistance Programs provide grants to eligible first time homebuyers for down payments, closing costs, and moderate rehabilitation of newly purchased homes. The Council is currently administering a NYS Home Mortgage Assistance Program (MAP). To participate in this program, an applicant must be income qualified, looking to purchase a home in Oswego County, and have the ability to obtain a mortgage loan. The applicant is also required to attend OHDC’s homebuyer education curriculum.

Home Improvement Programs
OHDC’s Home Improvement Programs provide grants to eligible property owners for necessary repairs to eliminate health and safety hazards and to make accessibility modifications to address the needs of the disabled and/or elderly household. Currently, the Council is administering two programs;
• AHC County of Oswego Housing Rehabilitation Program
• HOME County of Oswego Housing Rehabilitation Program
• County of Oswego Access to Home Program.
To participate in the AHC program, the household must meet the income and property eligibility guidelines. The homeowner will also be required to contribute a 40% match towards the total rehab cost, which can be in the form of another grant or loan. The Access to Home fund can only be used to address accessibility modifications to meet the needs of the disabled and/or frail elderly. Participants must meet program eligibility guidelines.