Zero-Interest Emergency Loan

The Neighborly Fund is more than just money. It’s a commitment to our neighbors over the long-haul. If you are a Niagara County homeowner who has been directly affected by COVID-19, scroll down to learn more and start the application process.

Help for Homeowners Impacted by COVID-19

In the face of a global pandemic, millions of our neighbors, like you, are at risk of going without pay for an extended period of time. Our deferred, zero-interest loan is available to homeowners in Niagara County to help take the pressure off in the short-term, while you figure out what to do next. In order to do this, NeighborWorks® Community Partners now offers deferred, zero-interest loans from $1,000 up to $3,500* for homeowners directly impacted by COVID-19. And the best part? What you pay back will be paid forward by putting it back into the Neighborly Fund to help neighbors, like you

*Monthly minimum payment is $100/month spread across 35 months. As funding is available. Terms apply.

Eligibility & Terms

Property Eligibility:
You currently own –

    • a home or duplex (owner-occupied)
    • a unit in a cooperative or condominium (owner-occupied)
  • Mixed-use property is ineligible
  • No Manufactured Housing

Borrower Eligibility:

  • Owner-Occupied Homeowners only
  • You must reside in Niagara  County

How you can use the funds:

  • Home expenses that can no longer be paid as a result of financial hardships due to COVID-19
  • To pay your mortgage, homeowners insurance, utilities, and other costs related to the costs of homeownership
  • Other related expenses such as car payments, food purchase, etc.
  • Loan-only product no to be combined with other NCP funds

*Not to be used for leisure products, vacations, or gambling

Household Income Eligibility:

  • No Income Limits
  • Incomes below HUD median New York State income $85,000 are a priority

Total Debt Ratio: N/A

Maximum Total Loan to Value: N/A

Interest Rate: Zero Percent

Fees: No Fees

Credit Profile/Information you will need to submit:

*NOTE: If you are a current borrower with NCP, you must be current on your loan.

Click here to view the full list of documents
you will need to submit

Minimum/Maximum Loan Amount for Homeowners:

  • $1,000 minimum
  • $3,500 maximum

Loan Term/Lien Position:

  • Promissory Note
  • 90-day deferral, $100 monthly payments until balance reaches zero (up to 35 monthly payments)

Settlement: One-time payment in full to homeowner upon executed promissory note. Terms apply.

How to Apply:

  • If you are a homeowners facing hardship due to COVID-19, scroll down to start the application process online (Suggested for faster review)


  • Click here to download and print an application. Please note that it may cause a delay in review and funding is limited.

To apply, complete the online
application form below.

Once you hit submit, you will receive further information via e-mail
about how to submit additional documentation to finalize your application.