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NYC Department of Housing Preservation & Development

Direct Assistance

The Mortgage Assistance Program (MAP)

The Mortgage Assistance Program (MAP) helps New York City homeowners at risk of foreclosure stay in their homes. MAP uses public and philanthropic funds to preserve homeownership and stabilize neighborhoods by providing interest-free, deferred repayment loans. Homeowners work with a non-profit housing counselor or legal services provider to determine eligibility and complete an application.

Who qualifies for MAP?

Applicants must:

  • live in a 1-4 family house or condo (no co-ops) in one of the five boroughs of New York City
  • be at or below 165% of Area Median Income (AMI)
  • work with a qualified housing counselor or legal services provider
  • have an affordable and sustainable mortgage after receiving MAP funds 

More information is available on the MAP website

What can MAP Loans pay for?

The three most common uses for MAP funds are:

  • Payment of a required down-payment on a non-HAMP modification
  • Payment of mortgage arrears to reinstate a loan
  • Pay-off of a second lien

To find out about other ways MAP funds might be able to help, contact a housing counselor or legal services provider by calling the number below. MAP funds cannot be used to pay consumer debts, municipal debts, or municipal liens.

MAP is administered by Sustainable Neighborhoods, LLC, an affiliate of the Center for New York City Neighborhoods (CNYCN). CNYCN is a non-profit that works closely with the City of New York to assist homeowners at risk of foreclosure. A homeowner who is not already working with a professional housing counselor or legal services provider can contact CNYCN’s call center directly at 646-786-0888 for a referral. 

Facing Foreclosure?  Call 311

Call 311 today for free, confidential, one-on-one foreclosure prevention services you can trust. 

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