ORHA uses a variety of state, federal, and other grants to provide no-cost housing rehabilitation and repairs to low-income Otsego County homeowners. These programs ensure that current Otsego County residents have safe, decent places to live and preserve the county’s affordable housing stock for the next generation of Otsego County residents.
We match homeowners who need help with the right program for their situation, and then we work with local contractors to get the work done.
If you would like to learn more about our programs or need assistance, give our main office a call at (607) 286-7244.
While ORHA always has multiple grant programs running at once, they aren’t always the same programs. Our funding comes from a wide array of federal, state, and local programs that target both specific types of repairs and general whole-home rehabilitation.
This list represents the common types of programs we have run throughout our history. Click the button below to view what we currently have available.
Many of our programs focus on renovations that improve accessibility and safety for seniors and people with disabilities.
Learn more about our accessibility work here.
Common funding sources: Access to Home, RESTORE, AHC
Major repairs can be especially difficult for families to afford. We’ve helped households replace roofs, repair or replace major systems like electrical service or septic systems, and more.
We have also run programs that let us address all of the serious issues in a home at once.
Not all of our work involves major renovation! In addition to the accessibility modifications we’ve made, we’ve also helped Otsego County residents repair or replace windows, doors, stairs, floors, and everything else in a home.
ORHA has helped a number of Otsego County families replace their dilapidated mobile homes with new, safe and healthy homes.
You can read about one of our prior replacement projects in the January 21st, 2021, e-edition of the Hometown Oneonta.
Common funding sources: MMHR
Each program has its own specific eligibility criteria. Below is a list of requirements that apply to most (but not all) of our programs.
Below are some common income limits for our programs in Otsego County, according to household size. For more information on these limits, visit HUD’s website.
| Family Size | 80% AMI | 100% AMI | 120% AMI |
|---|---|---|---|
|
1 |
$51,100 |
$63,800 |
$76,560 |
|
2 |
$58,400 |
$73,000 |
$87,600 |
|
3 |
$65,700 |
$82,100 |
$98,520 |
|
4 |
$72,950 |
$91,200 |
$109,440 |
|
5 |
$78,800 |
$98,500 |
$118,200 |
|
6 |
$84,650 |
$105,800 |
$126,960 |
|
7 |
$90,500 |
$113,100 |
$135,720 |
|
8 |
$96,300 |
$120,400 |
$144,480 |
Last updated: 7/10/2025
Click here to check effective HUD limits.
The first step in our process is to collect some basic information from you to determine if you’re likely to eligible for any of our programs. You can call us to complete this on the phone with an ORHA staff member, or you can click the button below to fill out our form online (or download a paper copy).
Once we have your intake information, we look it over to see if you meet the basic requirements, like age or income level, and if the type of assistance you need is something we can do with our programs. We might set up a time to visit your home and see your concerns ourselves at this point.
If you seem likely to qualify, you’ll go on our list of folks to begin the full qualification process with. Please be aware that we receive many requests for help, so we might not be able to start this process with you immediately. Instead, we will reach out for more information once you come to the top of our list.
If, based on your intake information, we don’t think you would qualify for any of our current programs, we can continue to keep your information on file. We use this information to support our funding applications (by showing that there are people who need our help), and we also review these files when we receive new funding for programs you might qualify for.
Want to discuss our home repair and rehabilitation programs? We’d be glad to hear from you!
P.O. Box 189
Milford, NY 13807
(607) 286-7244
Monday through Friday