Fix First HomeWhat home-upgrade rebates actually pay — and who you apply to.

Fix First Home › New York › NYC HomeFix

NYC HomeFix open

Administered by the NYC Department of Housing Preservation and Development (HPD), with the Center for NYC Neighborhoods.

New York City lends owner-occupants of one- to four-family homes up to $100,000 for repairs, plus $30,000 for each rental unit, at 0% to 5% and possibly forgivable for low-income and senior owners. Heating, hot water, roofs, electrical and energy efficiency work count. Household income up to 120% of area median, $203,520 for four.

source · verified 26 September 2026 · amounts in US dollars

What it pays

Most you can borrow
HomeLoan up to
One unit$100,000
Two units$130,000
Three units$160,000
Four units$190,000

Repairs it can cover

  • Roof
  • Heating system and hot water heater
  • Electrical and plumbing
  • Energy efficiency upgrades
  • Accessibility for older owners
  • Sidewalks and paving

Who is eligible

Income limits (120% of area median income)
People in householdYearly income up to
1$142,560
2$162,840
3$183,240
4$203,520
5$219,840
6$236,160
7$252,480
8$268,680
home
A one- to four-family house in the five boroughs that you live in at least 270 days a year; not condos or co-ops.
not eligible
Owners of a second property within 100 miles of the city, or with a reverse mortgage.

Where the application goes

The HomeFix form on the Center for NYC Neighborhoods' site; CNYCN then calls you.

Where the application goes
If this is youApply here
Homeownersnyc.gov
CNYCN Homeowner Hub(646) 513-3470

A loan, with help attached

HomeFix is a loan program, not a grant, though low-income and senior owners may get forgivable terms. It comes with a case worker, an approved contractor list and construction management, and your counselor can connect the work to EmPower+ or Con Edison's heat pump rebates.

Sources