Office for People With Developmental Disabilities

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Home of Your Own (HOYO) Program


Home is truly where the heart is and, since 1996 OPWDD has been assisting people with intellectual and developmental disabilities achieve the ultimate expression of independence, control and self-direction through its Home of Your Own (HOYO) program. The HOYO program was initially about homeownership but was later expanded to include information and referrals for all types of non-certified independent residential opportunities. In 2007, eligibility for the HOYO homeownership partnership loan program was expanded to  include income-eligible parents or legal guardians of people with intellectual and developmental disabilities and, in 2008, direct support professionals in the OPWDD workforce.

OPWDD HOYO Eligibility

HOYO Program Terms

HOYO Program Guide

HOYO Application


HOYO Mortgage Products for Low Income and/or First Time Homebuyers 
If you are a first time homebuyer who is income eligible, you may qualify for a low-interest loan and a Down Payment Assistance Loan (DPAL) through OPWDD’s partnership with the State of New York Mortgage Agency (SONYMA). If you are seeking to live in a rural area, OPWDD’s partnership with the United States Department of Agriculture and Rural Development (USDA) offers a low-interest mortgage and other possible loan products that may be able to assist you. 



Loan Scam Alert


Rental Counseling