Applications are to be submitted via the Federal Home Loan Bank of New York's Secure File Transfer Protocol (SFTP) by Member Institutions; in order to submit, a representative of the Member Institution will need a SFTP User ID. If a User ID has never been issued to a representative of a Member Institution, or an additional User ID needs to be issued, please email us at
All applications to the 2019 Affordable Housing Program (AHP) offering must be submitted electronically via SFTP no later than 5:00 p.m. ET on Friday, April 12, 2019. Applications received after the deadline will not be accepted. Sponsors should allow ample time for Member Institutions to review application packages prior to their submission to the FHLBNY. 
Project sponsors may submit an AHP application through a FHLBNY Member Institution, subject to established Maximum Subsidy Limits at the individual project level (i.e., no more than $40,000 per AHP-targeted unit or $2,500,000 per project). Failure to submit all mandatory supporting documentation may result in a loss of points, or in some cases, elimination from the AHP application process.
The Member and the project sponsor should review the application thoroughly for completeness, accuracy and consistency. The FHLBNY cannot be held responsible for omissions or errors made during the completion of the application. FHLBNY will directly contact Members, sponsors or consultants for additional information if additional clarification is justified.
Prior to the completion and submission of the application, we recommend you review the tutorials available on FHLBNY's YouTube channel, displayed below.
Direct links to the application materials are below the video tutorials.


Application Overview
Application Form Overview
AHP Application Process video
AHP Application Form video
Owner-Occupied Application Workbook
Rental Application Workbook
AHP Owner-Occupied Workbook video
AHP Rental Workbook video

Download the Owner-Occupied Instruction Manual

Download the Rental Instruction Manual




AHP/APP-001 AHP Application Form

AHP/APP-104 Owner-Occupied Application Workbook

AHP/APP-108 Rental Application Workbook

AHP/APP-126 Rental Income Verification Workbook

AHP Sponsor Letter Template

AHP Third-Party Service Provider Letter Template


If you need further assistance in developing an AHP application or information regarding the FHLBNY's Community Investment Programs and Services, feel free to contact us at or review program details in the 2019 AHP Implementation Plan
We look forward to working with you to address the diverse affordable housing needs of your communities.

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Program Deadlines

The deadline for the
2019 Competitive AHP Round Application is
April 12, 2019.

FHC offers monthly enrollment periods due the 10th of each month or the following applicable business day.

AHP Success Stories

Pond View Homes
Member: Flushing Bank
Project Name: Pond View Homes

Independence Crossing
Member: Citibank
Project Name: Independence Crossing

› Other Success Stories

AHP Success Stories

Pond View Homes
Member: Flushing Bank
Project Name: Pond View Homes

Independence Crossing
Member: Citibank
Project Name: Independence Crossing

Morgan Village
Member: New Jersey Housing & Mortgage Finance Agency
Project Name: Morgan Village

› Other Success Stories


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