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726 W. Broadway Fulton, NY 13069

Home Owners
For Sale
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Mission Statement

The Oswego Housing Development Council is a private. non-profit organization serving low income Oswego County residents and governed by a community based board to provide a range of housing choices to the low income, homeless or those in need of housing by developing, building, (renovating), providing seed money, acting as an administrator or manager, and forging partnerships with social service providers, contractors, real estate sellers, and local government to ensure needs are met.

OHDC seeks to develop affordable housing opportunities for low income residents of Oswego County. OHDC will accomplish this goal by identify and developing housing resources in partnership with local municipalities and providing counseling services to homeowners and prospective home-buyers.

OHDC seeks to ensure safe and sanitary affordable housing for very low to moderate income persons through the development and rehabilitation of housing. The Council shall serve those areas which demonstrate the greatest need and will try to provide home-ownership opportunities wherever possible.

Happy Family

Q: Do I have to get a Home Inspection when I buy a house?

A: If you are purchasing a house using funds from our grant , you are required by NYSHCR to get a Certified Home Inspection. If you are not using our funds to purchase your home, it is your choice BUT, it is highly recommended that you do get an inspection, to protect your investment, and to make sure your home is in good condition.

Q: What does my credit score have to be, before I can take out a mortgage?

A: This depends on what type of loan you are applying for. For instance, with an FHA loan, your score typically can be as low as 580. With a conventional loan, banks and lenders are looking for a score of at least 640. The higher your score is, the lower your interest rates will be.

Q: How much can I afford to spend on a mortgage payment?

A: Typically you do not want to spend more than 25% of your monthly income (take home pay). Most mortgage payments include your insurance and taxes as well as your principle and interest (PITI). Sometimes buyers are shocked the first time they see their statement. So when looking at your Closing Disclosure, look at the total, and not just the Principle. 

                      Please feel free to email or call us here at OHDC with any other questions. We will 

                                                            do our best to help you.

Office: 315-625-4520


Our office will be closed May 29th in observance of Memorial Day

We are settled into our new office space! We are located at 726 W. Broadway, Fulton NY. Please stop in and see us.

Oswego County Habitat is giving a free Info Session. Please feel free to join and share to friends or family.






















































Our office will be closed Monday, December 26th and Monday, January 2nd. Please have a safe and happy holiday and we will see you next year!


OCO Nutrition Service Summer Food Service Program Providing Free Meals For Children

Click here for more information.



The Low Income Household Water Assistance Program (LIHWAP) helps low income households pay the cost of drinking water and wastewater services. The program can assist households who have past due bills (arrears) for drinking water and/or wastewater services. Please click here for more information about the program.

If you or anyone you know is at risk of foreclosure or default, please follow this link for information about The New York State Homeowner Assistance Fund (NYS HAF). It is a federally funded program dedicated to assisting homeowners who are at risk of default, foreclosure or displacement as result of a financial hardship caused by the COVID-19 pandemic. 





We are happy to announce that we have been awarded a grant for replacing non-working or inefficient furnaces. There are rules that apply. There will be a lien placed, but will be explained if eligible. This grant will assist all of Oswego County single family homes until funding is spent down. If interested please fill out an application and call 315-625-4520 or email with any questions. 



Student Loan debt should not prevent anyone from owning their own home. Please click this link for a press release about this topic.


Do you feel like your housing rights have been violated? Here is a link describing how and where you can file a complaint. This page also contains additional links to information about your rights as a tenant or a person who feels they have been discriminated against, while searching for a rental property. 


 If you are concerned about eviction during the COVID Pandemic, please click here  for a link to the CDC webpage. This page contains information about the Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19. You will also find additional links and Eviction Declaration Forms. 

For some FAQ's about Eviction during COVID please click here



 For Updated information about  the new COVID vaccines and how to set up an appointment to receive one, please click here 


Good news for the City of Fulton! Please click here 


Did you know - Our First Time Homebuyer Grant can be used alongside other grants. Some local Banks/ Credit Unions also have money for first time homebuyers. Please Call your bank or Lender to inquire about any current or future grants. Please click here for info about The Homebuyer Dream Program. 




OHDC is looking for one lucky person/ family who would be interested in owning a brand-new modular home in the Village of Pulaski, NY. Call or email us for more information or with any questions about this great opportunity! 

We will be adding to the website daily. If you need any assistance please contact Tina via email @

Stay Safe & Healthy!



Serving all of Oswego County





Oswego Housing Development Council is excited to announce we will be receiving the NYS HOME Local Program award. This award is for First Time Homebuyers. We assist with up to $10,000 towards the down payment and up to $5000 towards closing costs. For more information please reach out to Tina, the Housing Counselor, at For our application and Terms and Conditions please look under The First Time Homebuyers Program Tab. 

Looking for further assistance


Making A Difference



OHDC’s Homebuyer Assistance Programs provide grants to eligible first-time homebuyers for down payment, closing costs. To participate an applicant must be income eligible, looking to purchase a home in the Oswego County area and have the ability to obtain a mortgage loan. The applicant will also be required to attend OHDC’s homebuyer education curriculum. For a full list of the program's terms and Conditions please see the link below. There is also an application that can be filled out online and emailed directly to the office at

Family Size:
1- $52,300  2-$59,750  3-$67,200 4-$74,650
5-$80,650  6-$86,600

Fixing the Roof


Housing Improvement Program
OHDC’s Home Improvement Programs provide grants to eligible property owners for necessary repairs to eliminate health and safety hazards in their homes as in roofs, windows, furnaces, etc. The program also offers up accessibility modifications to address the needs of the disabled and/or elderly households. OHDC applies for grants through Federal and State money. To participate in these Programs, the household must meet the income and property eligibility guidelines. The homeowner will also be required to contribute a percentage towards the total rehab cost. There is a lien that may consist of 5-10- year period of the grant that applies. OHDC will discuss further details with homeowner at the time of services.
2021-2022 Income Guidelines Annual income
Family Size:

1- $52,300  2-$59,750  3-$67,200 4-$74,6505-$80,650  6-$86,600

Please contact our office to see if we have grant funding.

DO YOUR PART BE SEPTIC SMART: Always be cautious of what you're flushing down your toilet. Remember not to flush wipes, paper towels, feminine products etc. Toiler paper ONLY!


Please read:


Adult Students


Call for an appointment.

The Oswego Housing Development Council is a certified HUD Housing Counseling Agency in which our trained Housing Counselors provide a wide range of housing counseling services which include home-buyer education, home maintenance education, mortgage default/restructuring counseling, tenancy/fair housing counseling, HECM counseling and financial literacy budget/ debt counseling.


Senior Living Community

2231 County Route 12

Central Square, NY 13036

(315) 437-2178

 For Seniors 55 & over

Fully equipped kitchens

 Laundry facilities

Indoor mail delivery

 Elevator service

 Spacious community center

​ Secured entryway system

Services Include:

24-Hour emergency services

Heat & hot water Included in rent

Trash & snow removal included 

Changing light bulbs

1 Bedroom Unit 725 sq. ft

2 Bedroom unit 944 Sq. ft

For more information:


Contact our Property Manager: Russell 315-963-3854


Committed to the Cause



Executive Director

Tina Washburn

Housing Counselor


Oswego Housing Development Council welcomes new Board Members to join, and meets the 4th Thursday of the month at 5:30 in our office. Please feel free to join, the board is made up of volunteers.


 Patrick Waite-President

Tammie Nipper- Vice President

Dennis Merlino- Treasurer

Elizabeth Thompson- Secretary 

Paul Baxter

Martin Webster

Dennis Merlino

James Hotchkiss

Christine Ward

Scott Pecoy


Donna Scanlon

Russell Patrick

Marion Naramore

Conference Room


726  W Broadway, Fulton, NY 13069, USA

(315) 625-4520

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