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SONYMA DPAL PLUS

State of New York Mortgage Agency offers DPAL PLUS 2026 to first-time buyers in New York: up to $30,000, as a forgivable loan.

Amount
As much as $30,000
Type of help
A loan that can be forgiven
Only first-time buyers
Except for veterans and buyers in targeted areas, yes

It's a 0% loan, written off in equal monthly amounts during your first 10 years in the home. If you leave sooner, you may have to repay the share not yet forgiven.

Hold on to the home and keep its first mortgage for the number of years the program requires, and a forgivable loan is written off.

Who qualifies for SONYMA DPAL PLUS?

  • Household income limit: 60% of the AMI, meaning the median income for the area.
  • Only first-time buyers qualify, apart from veterans and buyers in targeted areas.
  • You get it together with a SONYMA mortgage.

Your county and household size set most of the limits. The median income for your area, plus where your household stands, is shown by our HUD income limits lookup.

How to apply for SONYMA DPAL PLUS

  1. The State of New York Mortgage Agency sends this money through approved lenders. You apply with one of them when you apply for your home loan.
  2. The lender reviews the home, your credit and your income under the program's rules, then reserves the money for you.
  3. At closing, the money goes toward your down payment and closing costs.

State of New York Mortgage Agency's page for DPAL PLUS 2026 has the full rules and says whether applications are open.

Ask a lender about SONYMA DPAL PLUS

Tell us where you're buying and a lender that works with New York's programs can tell you whether SONYMA DPAL PLUS fits you, and what you could combine with it.

Call 866-602-7460

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When you send this request, you agree that one mortgage lender who works with these programs may contact you by email, phone or text, including by automated means, about this request. Agreeing is not a condition of any purchase. We are an independent guide, not a lender or a government agency; only that one lender gets your details, and it may pay us for the introduction. See our about page and privacy notice.

More New York programs for first-time buyers

Every New York first-time home buyer program · Down payment help in every state