Office for People With Developmental Disabilities

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Home of Your Own (HOYO) Program

A HUD-Approved Housing Counseling 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 all types of non-certified independent residential opportunities. In 2007, the HOYO program increased opportunities by including income-eligible parents or legal guardians of people with intellectual and developmental disabilities and, in 2008 opened its doors to direct support professionals in the OPWDD workforce.

OPWDD HOYO Eligibility


Counseling Services and Training

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