Home Ownership

The Municipal Housing Authority of the City of Utica, New York (UMHA)  has operated homeownership development programs funded by the United States Department of Housing and Urban Development HOPE VI, Replacement Housing Factor, and HOME programs. Under the Section 32 Program, the UMHA successfully completed the development of eight homeownership units which were financed through the Second Increment Replacement Housing Factor funding and the City of Utica HOME Program. In addition, the UMHA has completed the development and sale of 40 homeownership units through its HOPE VI program. The UMHA has now for sale seven single family homes in West Utica on the site of the former Lincoln School. The UMHA is committed to continuing these vital programs and plans to develop additional homeownership units in the future.


The purpose of the West Utica Homeownership Program is to provide low and moderate income moderate income familie households with the opportunity to own their first homes. The program is also designed to help revitalize the West Utica neighborhood. The program is sponsored by  the Utica Municipal Housing Authority (UMHA), the City of Utica, New York State Affordable Housing Corporation, New York State Homes and Community Renewal, and the U.S. Department of Housing and Urban Development (HUD). Funding is provided by HUD, City of Utica. New York State Homes and Community Renewal, UMHA, and the New York State Affordable Housing Corporation. Construction and pre-development financing is provided by the Bank of Utica, City of Utica HOME Program, and the UMHA.

The West Utica Homeownership Project involves the new construction of seven single family homes on the site of the former Lincoln School in the West Utica neighborhood of the City of Utica. Of the seven units to be developed, there will be one accessible 3-bedroom and six 4-bedroom units.

What are benefits of purchasing a home through the program?

  • Newly constructed home with warranties
  • Large homes with nearly 2,000 square feet, full basements, central air conditioning, and 2 ½ baths
  • Spacious back yards and front porches
  • Downpayment and closing cost assistance available
  • One accessible home available
  • Low purchase price which includes significant development and builder subsidies
  • Low monthly housing cost
  • Opportunity to participate in the revitalization of neighborhood
  • Energy efficient/ low maintenance and utility costs
  • Close proximity to schools, parks, recreational facilities, and local employers
  • Opportunity to build wealth and assets
  • Our program requires that applicants must be either first-time homebuyers or not have owned a home within the past three years (as defined by the Cranston-Gonzalez National Affordable Housing Act of 1990) and household income must be within the established HUD limits, relative to your household size.
  • Applicants must have incomes at or below 80% of the HUD area median income adjusted for household size.
  • Applicants must be United States citizens or eligible non-citizens. If a spouse or significant other will be living in the home, their information, income, and assets must be included in the application form.
  • All household members must disclose any income or assets they may have.
  • The applicants must not owe any taxes or debts to the City of Utica.
  • Household assets must be limited to no more than 25% of the sale price of the new home and meet the HUD asset tests.
  • Households purchasing these units must have at least 3 members or receive prior approval from the State of New York.
  • Applicants are required to secure their own permanent mortgage financing through local banks. Applicants must meet bank underwriting and credit requirements. If the above-mentioned credit requirements cannot be met, counseling is available to assist in meeting requirements.
  • Homebuyers will be free to choose their own mortgage lender.
  • Applicants interested in applying for a State of New York Mortgage Agency loan product must seek mortgage financing from a participating lender.
  • Financial institutions will require minimum credit scores to be met before mortgages will be issued.
  • All mortgages must be 30 year fixed rate with no adjustable rates and are subject to approval by UMHA.
  • Applicants should shop around for the best financing terms and lowest interest rate costs to reduce their monthly homeownership expenses.

How do I obtain more information?

Utica Municipal Housing Authority
509 Second Street
Utica, New York 13501
(315) 735-5246
Fax: (315) 735-3366

DISCLAIMER: The Municipal Housing Authority (MHA) does not guarantee the accuracy of information in this notice, and such information is subject to alterations, errors, omissions, changes in price, prior sales, rentals, and withdrawals without notice. Furthermore, notice is for informational purposes only and does not constitute an offer to sell real estate. MHA does not warrant or make any representations of any kind or nature with respect to the information contained in this notice, and you are solely responsible for compliance with any applicable real estate laws or other applicable state or federal regulations. UMHA urges you to seek legal counsel before entering into any real estate agreement. It is your responsibility to independently verify any statement made within this notice and to consult with engineering, architectural or other professionals as may be appropriate to determine the condition and suitability of any particular property for the purpose for which you intend to use it. Information in this document is subject to change without notice.