Financial assistance programs in New York.
Find how to get financial assistance and grant money in all cities and counties in New York. Locate mortgage or utility bill help, money for paying rent, free food and more. Or find help with bills from social services or free vouchers for transportation, such as bus passes or gas cards. Get financial help near you in NYS as well as free stuff for low-income families.
The emergency, immediate financial assistance in New York state is combined with free items and long term social services. In addition to the government resources as well as charity programs below, there are agencies that give out free groceries, hotel or motel vouchers or that provide grant money to help with housing costs or car loan payments. Or get a free car, bus pass, or even auto repairs for low income families or single moms in NY.
Get financial help with bills or housing costs in NY, free items, food and clothes
Emergency Financial Assistance from NY Salvation Army - One of the leading non-profit agencies to contact for help is the Salvation Army. They have locations around the state. The organization may have funds for rent, money to pay a utility bill, food and or free holiday assistance. Or get free stuff including gasoline vouchers or a free voucher to pay for a hotel room and more. Click here Salvation Army assistance programs in New York.
Mortgage Help and Free Government Foreclosure Prevention - New York also offers programs that can help you pay your mortgage and avoid foreclosure. Towns, cities and counties may offer free counseling as well as mediation services or government loans. There are non-profit organizations that support New York homeowners. Read more mortgage assistance in New York.
- A New York State home repair assistance program provides grant money per homeowner and is allocated for cases of emergency. It is known as the RESTORE benefit. Grants or forgivable loans are distributed on a first come first serve basis until all of the programs funds have been paid out. Call 844-776-9423. Additional ways to receive free home repairs.
Social Services and Government Cash Assistance - Financial assistance, free government grant money and cash can be provided to low income, unemployed, and the working poor. Several social service crisis programs can help individuals pay bills and provide for their families. Learn about SNAP food stamps, Medicaid, and other benefits. Or get a free bus pass for work, gas card or train ticket in NY, or clothes for work or job placement. Read more on New York public assistance.
- There are also emergency food stamp benefits offered, often with applications approved within a week. The program will help senior citizens, lower income working people, the disabled, singe moms in NYC and many others feed their families. Call 1-800-342-3009. Or learn more on emergency food stamps near you.
Energy Company Programs - In addition to the resources offered in your county, there are other New York heating bill and utility assistance programs. Many energy companies have their own cash grant, disconnection prevention, free payments plans and weatherization services for low income customers. More on energy bill help from New York utility companies.
Rent Relief Programs - OTDA as well as local charities in also manage an array of government assistance programs that help to address homelessness in New York Stat and help stop it. The help offered ranges grant money to pay back rent to moving cost help and relocation into a affordable apartment. Apply at local DSS office, or find rental assistance in New York State.
- Section 8 Vouchers for Paying Rent - The main resource available is the Section 8 HUD housing choice vouchers, which are used to subsidize a low income family's total rental costs. Other federal government assistance is for senior citizens or households with a disabled member. There are also expedited section 8 vouchers in NY as well as affordable, no wait list apartments. Click more New York section 8.
- Assistance for Homeless and Eviction Prevention - The New York Bureau of Housing and Support Services, local non-profits, charities and county social service offices may have government grants to pay a portion of rent to stop an eviction. The homeless can access transitional housing, case management, loans, motel vouchers and programs for paying security deposits. Read more on New York eviction help.
Employment Programs, Government Grants, Self-sufficiency, and Referrals - Dozens of resources may be offered by your local New York community action agency. Services include free career counseling, assistance in gaining new skills, low income financial assistance, and more. They also offer a free car or transportation for a job, or refer people to free grants. If you are faced with a crisis, the centers may be able to refer or provide direct help for housing, food, and other emergency needs. Learn more New York community action agencies.
- Free money can be provided from community action using government grants. The funds will be from the government and allocated to low-income families in a crisis that need short term support. A variety of bills can be paid. Find details on how to obtain free money.
Disability Assistance Programs, Applications, and Benefits - New York residents filing for a disability or that may be currently disabled have a number of government benefits and charitable resources for their needs. The Office of Temporary and Disability can help with information on the New York application process. There is also government cash assistance, food, respite care, subsidized housing with no waiting list and other financial aid. More information on disability help in New York.
Free Legal Help - LawHelp.org/NY is the one-stop legal information portal for low-income New Yorkers. They offer numerous free services, representation from lawyers and legal advice. The poor, indigent, and low-income can get a free lawyer and consultations. Learn more on free legal advice in New York.
- In addition, several non-profit law firms offer advice, representation, and other forms of legal assistance to New York state residents. There are pro-bono location with free, volunteer lawyers and attorneys. Continue with NY law firms.
 Help with Telephone Bills or a Free Phone- New York families living in poverty or that are on public assistance can get help from Lifeline or Link-Up. The government assistance programs provide discounts as well as credits on both wireless or landline phones and can also pay the deposit costs. Or a free cell phone can be given to low-income seniors or people on food stamps or Medicaid in NY. Continue with New York telephone programs.
Programs for Elderly and Senior Citizens - A number of locations focus their assistance on individuals who are 55 years of age or older. The office of aging centers provide resources that range from emergency financial assistance to prescription medications, health insurance, free transportation to a medical appointment, and food. Learn more on the services administered and New York Agency on Aging.
Temporary Assistance (TA) - TA is temporary help for needy women, men, and children. If you are unable to work, if you can't find a job in the economy, or if your job does not pay enough to meet your bills, TA may be able to help you pay for your bills, expenses, and debt. Or get a free grant for auto repairs or money for car loan payments, or to buy an automobile. Dial 1-800-342-3009. Or learn more on the Emergency Assistance to Adults financial assistance program.
Vouchers and Free Government Child Care Subsidies - Parents that are working or seeking employment, attending job training, or in school may qualify for financial assistance for paying their child care expenses. State of New York and federal government funds are used to pay a portion of your cost or give single moms free daycare grants. Click more free daycare in New York.
New York Free Food Banks and Distribution Centers - Get information on a network of food banks, free pantries, drive thru locations and distribution centers across the state. These organizations coordinate the distribution of free food, hot meals, baby formula and groceries to people who need help. More on New York free food banks.
HEAP Emergency Utility Benefit - This program, the Low-Income (HEAP), is a federally funded assistance program that will help eligible households in paying for utility or heating bills and in meeting their home energy needs. There are free grants for a utility deposit, furnace repairs in NY and other support. Many community action agencies and social services run it. More on applying for HEAP in New York.
Free Career and Workforce Centers - Dozens of offices are located across New York. They focus on helping the unemployed find a new job or people gain new skills, including high tech or IT. Staff are involved in providing experience and additional training to those who currently hold a position. All these government funded services are provided at no cost to residents. Click here New York job training programs.
Free Credit Counseling for Bills, Mortgages, and Debts in New York - Individuals may qualify for free help with reducing debt and non-profit credit counseling. A number of government certified and approved non-profit housing as well as credit counseling agencies help consumers. There is assistance for dealing with unpaid debts, bills, car loans, and the agencies can provide advice on paying mortgages or repairing credit ratings. Read more free credit counseling in New York.
Help in local New York State cities and counties
Select a county or city below for more information on, and applications to local financial assistance assistance programs for immediate relief. The low-income, struggling and others can get money, free items, vouchers and more near them.
Albany County (Albany)
Allegany County (Belmont)
Broome County (Binghamton)
Cattaraugus County (Little Valley)
Cayuga County (Auburn)
Chautauqua County (Mayville)
Chenango County (Norwich)
Chemung County (Elmira)
Clinton County (Plattsburgh)
Columbia County (Hudson)
Cortland County
Delaware County (Delhi)
Dutchess County (Poughkeepsie)
Erie County (Buffalo)
Essex County (Elizabethtown)
Franklin County (Malone)
Fulton County (Johnstown)
Genesee County (Batavia)
Herkimer County
Jefferson County (Watertown)
Kings County (Brooklyn)
Livingston County (Geneseo)
Madison County (Wampsville)
Monroe County (Rochester)
Nassau County (Mineola)
Niagara County (Lockport)
New York City (all boroughs)
Oneida County (Utica)
Onondaga County (Syracuse)
Ontario County (Canandaigua)
Orange County (Goshen)
Orleans County (Albion)
Oswego County
Otsego County (Cooperstown)
Putnam County (Carmel)
Rensselaer County (Troy)
Rockland County (New City)
Saratoga County (Ballston Spa)
Schenectady County
Seneca County (Waterloo)
St. Lawrence County (Canton)
Steuben County (Bath)
Suffolk County (Riverhead)
Sullivan County (Monticello)
Tioga County (Owego)
Tompkins County (Ithaca)
Ulster County (Kingston)
Warren County (Queensbury)
Washington County (Fort Edward)
Wayne County (Lyons)
Westchester County (White Plains)
Wyoming County (Warsaw)
Yates County (Penn Yan)
Additional programs in NYS for low-income families
There are other organizations that help struggling people, or families, pay the bills and address a hardship. Call (518) 608-6456 for other referrals. Non-profits that may be near you, government agencies, the United Way centers in NY and other groups give out grants, free material items or more.
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