Putnam County Housing Corporation
11 Seminary Hill Road
Carmel, New York 10512

Home Improvement Program


Estella Randol or Dianne Chipman
Putnam County Housing Corporation
(845) 225-8493 ext. 208 or 212

Carmel - The Putnam County Housing Corporation (PCHC) has $200,000 in funding to continue its Home Improvement Program through the New York State Affordable Housing Corporation. The program will assist homeowners with repairs such as structural, safety and code upgrades, roofs, windows and heating systems with grants up to $25,000.

Eligible homeowners' household incomes must not exceed the income guidelines:

One-member household, $37,373; two-member household, $42,712; three-member household, $48,051; four-member household, $53,390; five-member household, $57,661; six-member household, $61,932; seven-member household, $66,204; and eight-member household, $70,475.

Homeowners must be able to provide 40 percent of the cost of the repairs. The PCHC in cooperation with local banks has secured below market rate loans and the United Way of Westchester/Putnam also provided a grant to assist homeowners in meeting the 40 percent requirement.

There is also an asset limitation of $15,000 or 15% of the current appraised value of the occupied home (whichever is greater). Assets include any monies in savings or checking accounts, certificates of deposits, stocks and bonds, and the value of any real property less the outstanding debt. There is a recapture provision for the funding. Funding is available on a first-come, first-serve basis. For an application to be placed on the waiting list or for further information, please contact the PCHC at 225-8493 ext. 208 or stop by the office located-at 1 I Seminary Hill Road, Carmel. The office is open Monday through Friday from 8:30 a.m. to 4:30 p.m.