Office for People With Developmental Disabilities

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Home of Your Own (HOYO) Program

A HUD-Approved Housing Counseling Program

HOYO is open to income-eligible people with intellectual and developmental disabilities, their parents or legal guardians, and income-eligible employees of OPWDD's workforce and Voluntary Agencies. The program offers a wide range of supports, including information on low-interest mortgages, as well as homeownership counseling, training, financial management assistance  and assistance with apartment searches.

OPWDD has partnered with the State of New York Mortgage Agency (SONYMA) to offer HOYO. Through the HOYO program, SONYMA offers a 4 percent, 30 year fixed rate mortgage to eligible participants.  OPWDD has also partnered with the United States Department of Agriculture Rural Development (USDA), as they offer attractive mortgages for eligible buyers who wish to live in a rural area outside of the cities and suburbs.

The Office of Home and Community Living is committed to men, women, and families interested in living more independently in the home of their choice.. The office will assist individuals with developmental disabilities, parents/legal guardians of children with developmental disabilities and members of OPWDD’s state and voluntary workforce on their path towards homeownership. While this can be a daunting process OPWDD provides support in a variety of ways whether through credit and budget counseling, pre-homeownership education and counseling, or just “dotting the I’s and crossing the T’s.”  OPWDD also assists existing homeowners with loan modification and foreclosure prevention if needed.

If you are interested in learning more about the HOYO program, contact the Office of Home and Community Living at (518) 473-1973 or at to request an information package and preliminary application.