“They really did open that door for me to make the choice when it comes to finding the right house for me.”

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This page provides resources to renters and prospective homeowners. If you are having a housing emergency or are at risk of loosing housing, contact Opportunities for Otsego Emergency Housing Assistance Program.


New York State Homeowner Assistance Fund: Applications are no longer being accepted. To get on the waiting list, register here. For application assistance, call 1.844.776.9423 or connect to a local HAF partner. This program is dedicated to assisting homeowners who are at risk of default, foreclosure, or displacement as a result of a financial hardship caused by the COVID-19 pandemic. Applicants may be eligible for financial assistance and/or access to professional housing counselors or legal service providers who are experts in the field. Be Aware of Scams.

NEW! Low-Income Household Water Assistance Program: This program can assist households who have past due bills (arrears) for drinking water and/or wastewater services. Benefits are capped at $2,500 per drinking water or wastewater provider, or $5,000 if drinking water and wastewater services are combined.

** Additional utility assistance programs and information is listed on our Emergency Housing page **

Emergency Rental Assistance Program (Updated April 28, 2022):

The 2022-23 State budget includes additional funds to support the Emergency Rental Assistance Program (ERAP). Prior to the addition of these funds, the Office of Temporary Disability Assistance (OTDA) anticipated funding applications submitted through October 7, 2021. As a result of the additional funding, OTDA is processing eligible ERAP applications submitted through March 31, 2022.

Currently, applications submitted through December 31, 2021, are under active review and processing, to be followed in the coming months by applications submitted from January 1 through March 31, 2022.

This notification will be updated if additional funding is available to pay eligible applications submitted after March 31, 2022.  Additional information about eligiblity and available funding can be found by clicking here.

Otsego County COVID-19 Emergency Rental Relief Program: This program of Otsego County Rural Housing (ORHA) provides up to 3 months of rental payments directly to landlords on behalf of local-renters facing financial hardship as a result of layoff, reduced employment, or non-retention by their seasonal employer. Visit ORHA for eligibility requirements.


The following list of resources are for informational and self-guidance purposes.

Resources to Strengthen Financial Confidence
Information for Renters
Preparing for Homeownership
Keeping and Maintaining Your Home
Fair Housing


Resources to Strengthen Financial Confidence

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Information for Renters

Affordable Housing Options

Tenants Rights


Preparing for Homeownership



Keeping and Maintaining Your Home


Fair Housing

  • UPDATED! Fair Housing Guide
  • Watch "Accents", a short public service announcement about housing discrimination.


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OFO is a proud member of HomeSmartNY, the leading coalition of homeownership advisors in New York State.
When accessing our services, if you need assistance due to a language barrier, mobility impairments, visual or hearing impairments, or other disabilities, please let us know in advance so we can provide the necessary accommodation.