  {"id":9016,"date":"2019-11-15T21:11:19","date_gmt":"2019-11-16T02:11:19","guid":{"rendered":"https:\/\/www.rochester.edu\/human-resources\/?page_id=9016"},"modified":"2026-07-23T16:29:26","modified_gmt":"2026-07-23T20:29:26","slug":"home-ownership-incentive-program","status":"publish","type":"page","link":"https:\/\/www.rochester.edu\/human-resources\/benefits\/programs-perks\/home-ownership-incentive-program\/","title":{"rendered":"Home Ownership Incentive Program"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":0,"parent":8796,"menu_order":4000,"comment_status":"closed","ping_status":"closed","template":"page-templates\/one-column.php","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"class_list":["post-9016","page","type-page","status-publish","hentry"],"acf":{"lead_in":"","display_title":"","subtitle":"","call_to_action":"","hero_image_placement":"no_image","hero_media":"images","hero_pattern_option":"","hero_video":"","hero_image_landing":"","hero_image_landing_two":"","hero_image_landing_three":"","content_modules_above":[{"acf_fc_layout":"text","anchor":"","css_class":"pt-0","title":"","content":"To assist with the dream of homeownership, the University has teamed up with the City of Rochester and several banks\/credit unions to offer regular full-time and part-time faculty and staff, residents, and fellows *$20,000 toward the first-time home purchase of a primary residence anywhere within the City of Rochester.\u2020 There is no service requirement, but the plan requires five-year occupancy and employment commitments from the buyer. Eligible faculty and staff whose total household gross income was less than $155,000 in 2024 may apply for Calendar Year 2026.\r\n<p style=\"font-weight: 400;\">The University Home Ownership Incentive Program through Total Rewards provides new homeowners with:<\/p>\r\n\r\n<ul style=\"font-weight: 400;\">\r\n \t<li>$10,000 from the University<\/li>\r\n \t<li>$5,000 from the City<\/li>\r\n \t<li>$5,000 from a participating bank\/credit union\u00a0<sup>\u2021<\/sup><\/li>\r\n<\/ul>\r\n<p style=\"font-weight: 400;\">The approval process for Home Ownership benefits may take up to four months and may require completion of pre-purchase and post-purchase education classes at approved agencies.<\/p>\r\n\r\n<h2 style=\"text-align: left;\">The City of Rochester map<\/h2>\r\n<img class=\"alignnone size-medium wp-image-147472\" src=\"https:\/\/www.rochester.edu\/human-resources\/wp-content\/uploads\/2024\/03\/city-rochester-map-843x562.jpg\" alt=\"City of Rochester map\" width=\"843\" height=\"562\" \/>\r\n\r\nThe above map should be used as a general reference only. View an interactive version of the map\u00a0<a href=\"https:\/\/maps.cityofrochester.gov\/propinfo\/\">here<\/a>. If a property is bordering a non-City neighborhood, please contact the City at\u00a0<a href=\"tel:5854286888\"><strong>(585) 428-6888<\/strong><\/a>\u00a0to confirm that a property is eligible.\r\n\r\nIf you are buying a home outside the City of Rochester, check out the Mortgage Housing Incentive Program below in the resources section.","background_color":"#ffffff","width":"width-medium"},{"acf_fc_layout":"accordion_new","anchor_id":"","classes":"","title":"<h2>Participating banks and credit unions<\/h2>","description":"","background":"plain","background_color":"#ffffff","style":"row_blank","expand":"yes","accordions":[{"acf_fc_layout":"accordion","accordion_title":"糖心传媒","icon":"","row_content":"<strong>Eligibility: <\/strong>Regular full-time and part-time faculty and staff, residents and fellows;* new homeowner within the City of Rochester\u2020\r\n\r\n<strong>Amount: <\/strong>$10,000 per mortgage\r\n\r\n<strong>Form of benefit: <\/strong>Loan that is forgiven over 5 years if residency and employment requirements are satisfied\u2021 (see <a href=\"#repayment-chart\">repayment chart<\/a> below)\r\n\r\n<strong>Use of money:\u00a0<\/strong>Down payment or closing costs\r\n\r\n<strong>Primary residency requirements: <\/strong>5 years\r\n\r\n<strong>Employment requirement: <\/strong>5 years","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"City of Rochester","icon":"","row_content":"<strong>Eligibility: <\/strong>Regular full-time and part-time faculty and staff, residents and fellows;* new homeowner within the City of Rochester\u2020\r\n\r\n<strong>Amount: <\/strong>$5,000 per mortgage\r\n\r\n<strong>Form of benefit: <\/strong>Grant that is forgiven over 5 years if residency requirement is satisfied (see <a href=\"#repayment-chart\">repayment chart<\/a> below)\r\n\r\n<strong>Use of money: <\/strong>Down payment or closing costs\r\n\r\n<strong>Primary residency requirements: <\/strong>5 years\r\n\r\n<strong>Employment requirement: <\/strong>No","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"Advantage Federal Credit Union","icon":"","row_content":"<strong>Eligibility:\u00a0<\/strong>Regular full-time and part-time faculty and staff, residents and fellows;* new homeowner within the City of Rochester\u2020\r\n\r\n<strong>Amount: <\/strong>$5,000 per mortgage\r\n\r\n<strong>Form of benefit: <\/strong>Grant that is forgiven over 5 years if residency requirement is satisfied (see <a href=\"#repayment-chart\">repayment chart<\/a> below)\r\n\r\n<strong>Use of money: <\/strong>Down payment, closing costs, or escrow deposit\r\n\r\n<strong>Primary residency requirements: <\/strong>5 years\r\n\r\n<strong>Employment requirement: <\/strong>No","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"Canandaigua National Bank & Trust","icon":"","row_content":"<strong>Eligibility: <\/strong>Regular full-time and part-time faculty and staff, residents and fellows;* new homeowner within the City of Rochester\u2020\r\n\r\n<strong>Amount: <\/strong>$5,000 per mortgage\r\n\r\n<strong>Form of benefit: <\/strong>Forgivable grant\r\n\r\n<strong>Use of money: <\/strong>Down payment or closing costs\r\n\r\n<strong>Primary residency requirements: <\/strong>Yes\r\n\r\n<strong>Employment requirement: <\/strong>No","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"Genesee Regional Bank","icon":"","row_content":"<strong>Eligibility: <\/strong>Regular full-time and part-time faculty and staff, residents and fellows;* new homeowner within the City of Rochester\u2020\r\n\r\n<strong>Amount: <\/strong>$5,000 per mortgage\r\n\r\n<strong>Form of benefit: <\/strong>Lender credit\r\n\r\n<strong>Use of money: <\/strong>Closing costs or interest rate buy-down\r\n\r\n<strong>Primary residency requirements: <\/strong>Yes\r\n\r\n<strong>Employment requirement: <\/strong>No","accordion_anchor":""},{"acf_fc_layout":"accordion","accordion_title":"KeyBank","icon":"","row_content":"<b>Eligibility:<\/b>\u00a0Regular full-time and part-time faculty and staff, residents and fellows;* new homeowner within the City of Rochester\u2020\r\n\r\n<b>Amount:<\/b> $5,000 per mortgage; tract must be Low-and Moderate Income Tract (visit <a class=\"external-link\" title=\"Follow link\" href=\"https:\/\/urldefense.com\/v3\/__https:\/\/www.ffiec.gov\/__;!!CGUSO5OYRnA7CQ!fPKxDXSWK6cVRRkSGo3YpLT3xZL-KyZjSY9RPXf3ygSxKXqqBlIvt3Eksv_djzNjtvvruUMT34TRA-WW1QDW07KB68GbUETMPO15TWw$\" target=\"_blank\" rel=\"nofollow noopener\"><b>ffiec.gov<\/b><\/a>\u00a0to confirm tract income levels).\r\n\r\n<b>Form of benefit:<\/b>\u00a0Lender credit\r\n\r\n<b>Use of money:<\/b>\u00a0Closing costs or interest rate buy-down\r\n\r\n<b>Primary residency requirements:<\/b>\u00a0Yes\r\n\r\n<b>Employment requirement:<\/b>\u00a0No","accordion_anchor":""}]},{"acf_fc_layout":"text","anchor":"repayment-chart ","css_class":"","title":"<h2>Repayment chart<\/h2>","content":"The benefit is provided through a non-interest-bearing loan that is forgiven if the requisite employment and residency requirements are satisfied. If you do not satisfy the requisite employment and residency requirements, you must repay the loan. The loan will remain as a lien against your home until it is repaid.\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Time elapsed<\/strong><\/td>\r\n<td><strong>5-year repayment percentage<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>1<strong><sup>st<\/sup><\/strong> month through 24<strong><sup>th<\/sup><\/strong> month<\/td>\r\n<td>100%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>25<strong><sup>th<\/sup><\/strong> month through 36<strong><sup>th<\/sup><\/strong> month<\/td>\r\n<td>75%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>37<strong><sup>th<\/sup><\/strong> month through 48<strong><sup>th<\/sup><\/strong> month<\/td>\r\n<td>50%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>49<strong><sup>th<\/sup><\/strong> month through 60<strong><sup>th<\/sup><\/strong> month<\/td>\r\n<td>25%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>61<strong><sup>st<\/sup><\/strong> month<\/td>\r\n<td>0%<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p class=\"p1\">To receive the University\u2019s or City\u2019s benefit, you must finance the purchase of your home through a participating bank\/credit union and be approved for the City of Rochester\u2019s Employer Assisted Housing Initiative (EAHI).<\/p>\r\n<p class=\"p1\">EOE Minorities\/Females\/Protected Veterans\/Disabled<\/p>\r\nThe University reserves the right to modify, amend, or terminate the plans at any time, including actions that may affect coverage, cost-sharing, or covered benefits, as well as benefits that are provided to current and future retirees.\r\n\r\n* You are not eligible for the University Home Ownership Incentive Program if you are a postdoctoral fellow, postdoctoral research associate, postdoctoral teaching fellow, EDC Associate, or visiting faculty.\r\n\r\n\u2020 Does not apply to current City homeowners whose primary residence is in the City.\r\n\r\n\u2021 The loan is secured by a note and mortgage that obligate you to repay the loan to the University and create a lien against your home as security for your repayment obligation. The $10,000 loan becomes taxable when and to the extent that it is forgiven.\r\n<h2 style=\"text-align: left;\">How to get started<\/h2>\r\n<ol>\r\n \t<li>\r\n<p class=\"p1\"><a href=\"https:\/\/www.rochester.edu\/human-resources\/benefits\/programs-perks\/home-ownership-incentive-program\/application\">Apply online<\/a> and the Office of Total Rewards will verify your employment eligibility.<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"p1\">Contact the City of Rochester for an application via email at <a href=\"mailto:homebuyer@cityofrochester.gov\">homebuyer@cityofrochester.gov<\/a>.<\/p>\r\n<\/li>\r\n \t<li>Discuss mortgage options with a <a href=\"https:\/\/www.rochester.edu\/human-resources\/contacts\/get-help\/benefits-assistance\/incentives-discounts-and-perks-contacts\/#home-ownership\">participating program lender<\/a>.<\/li>\r\n<\/ol>\r\n<h2 class=\"proxima-font\">Additional resources<\/h2>\r\n<h3>Mortgage Housing Incentive Program<\/h3>\r\nSeveral financial institutions in the Greater Rochester area are available to help the University of Rochester\u2019s full-time and part-time faculty and staff members through the mortgage process.\r\n\r\nBy answering your questions, informing you of their housing incentives, and explaining their specific mortgage options, you will be able to make an informed decision about what the best mortgage options are for you.\r\n\r\nThis program also offers special incentives for homebuyers in the City of Rochester.\r\n\r\n<a href=\"https:\/\/www.rochester.edu\/human-resources\/contacts\/get-help\/benefits-assistance\/incentives-discounts-and-perks-contacts\/#home-ownership\">Mortgage Housing Incentive Program contacts<\/a>\r\n<h3>Home search and education<\/h3>\r\n<h4>Find Your Dream Home<\/h4>\r\nOwning a home isn\u2019t just about four walls and a roof. Do you want a backyard, or for someone to take care of all the maintenance for you? Are you looking for that Victorian style, but modern home, or is it most important to live on a street with lots of shops for your convenience? Well, check out the\u00a0<a class=\"u-link-external\" href=\"https:\/\/celebratecityliving.com\/\" target=\"_blank\" rel=\"noopener\">Celebrate City Living<\/a>\u00a0website to find your dream home!\r\n<h4>Assistance &amp; Advice<\/h4>\r\nStressed out or confused about the home-buying process? Need a little advice or just want to take a class to make sure you\u2019re doing everything right? Sign up for pre-purchase and post-purchase education classes at approved agencies*, to be the best you can be at home buying.\r\n\r\n*To be eligible for the City of Rochester\u2019s grant, first-time home buyers are required to complete pre-purchase and post-purchase education classes at approved agencies. Contact the City for confirmation of approved agencies.","background_color":"#ffffff","width":"width-medium"}],"sidebar":"show__sidebar","sidebar_feed":"menu_select","menu":"136","page_links":[{"page_links__link":{"title":"Frequently Asked Questions","url":"https:\/\/www.rochester.edu\/human-resources\/contacts\/frequently-asked-questions\/programs-and-perks-faqs\/","target":""}},{"page_links__link":{"title":"Contact Information","url":"https:\/\/www.rochester.edu\/human-resources\/contacts\/get-help\/benefits-assistance\/incentives-discounts-and-perks-contacts\/","target":""}}],"sub_menu":"","content_modules":[{"acf_fc_layout":"card_grid","anchor":"","css_class":"","title":"<h2 style=\"text-align: center;\">Get additional support<\/h2>","description":"","background_color":"#f4f4f4","width":"width-medium","columns":"2","cards":[{"card_title":"<h5 style=\"text-align: center;\">Frequently asked 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