
103 Hand Avenue
PO Box 157
Elizabethtown, NY 12932
Phone: 518-873-6888
Fax: 518-873-9102
info@adirondackroots.org

Due to a high volume of applications and limited funding, we have reached full capacity for our current cycle. While we still welcome applications for down payment and closing cost assistance through a deferred-payment loan, please be aware that all new submissions will be placed on a waitlist. We will only contact you if additional funds become available. Please keep in mind that to qualify for this assistance, applicants must also be able to secure a mortgage pre-approval from a bank.
Who is eligible?
The program is primarily limited to first-time homebuyers. You may also qualify if:
What are the income limits?
Income limits vary depending on the size of your household.
| Household Size | Clinton County | Essex County |
| 1 | $45,000 | $42,950 |
| 2 | $51,400 | $49,100 |
| 3 | $57,850 | $55,250 |
| 4 | $64,250 | $61,350 |
| 5 | $69,400 | $66,300 |
| 6 | $74,550 | $71,200 |
| 7 | $79,700 | $76,100 |
| 8 | $84,850 | $81,00 |
“Median income” is the figure above which half the county’s residents earn more, and half earn less.
What are the deferred-payment loan terms?
Deferred-payment loan require no monthly payments and accrue no interest. However, if you sell the property within 10 years, you must repay a portion of the funds received.