Income-restricted co-ops at below-market prices in Clinton Hill, Brooklyn
No hdfc co-ops found in Brooklyn
Try a different borough or contact Milton for help.
Call (917) 416-7433This information is not verified for authenticity or accuracy and is not guaranteed and may not reflect all real estate activity in the market. ©2026 The Real Estate Board of New York, Inc., All rights reserved.
Listings are updated approximately every 15 minutes. Data displayed by Keller Williams NYC.
HDFC co-ops are income-restricted cooperative apartments created through NYC's Housing Development Fund Corporation program for affordable homeownership. In my 25+ years working in Upper Manhattan, I have helped numerous buyers navigate HDFC purchases, and the process requires close attention to income caps, flip taxes, and bylaws that vary building to building. HDFC co-ops offer some of the lowest price-per-square-foot opportunities in the city, but resale restrictions demand careful due diligence. Explore our HDFC listings, read our HDFC buyer's guide, and review Washington Heights market data.
Income limits vary by building, expressed as a percentage of Area Median Income (AMI) set by HUD. Most HDFC buildings cap buyer income at 120 to 165 percent of AMI. For 2025, 165% of AMI for a one-person household in NYC is approximately $158,000. Always request the specific building's income certification requirements.
HDFC flip taxes are resale fees designed to recapture appreciation and keep the building affordable. Structures vary: some charge 30 to 40 percent of gross sale price, others cap resale prices using a CPI formula. Review the proprietary lease and bylaws carefully, as this directly affects long-term investment value.
Yes, but not all lenders underwrite them. Community Development Financial Institutions (CDFIs) and NYC-focused banks like Carver Federal Savings Bank and Amalgamated Bank have HDFC-specific loan programs. Secure pre-approval from an HDFC-experienced lender before submitting a board application.
Get the building's financial statements before anything else. HDFC buildings are often self-managed, and financial health varies enormously. Request the last two years of audited financials and the current maintenance delinquency report. Buildings with high delinquency rates can face special assessments that dramatically change ownership costs.
Full-service living with 24-hour doorman and concierge
Skip the laundromat with in-unit washer and dryer
NYC apartments that welcome your furry family members
Work out steps from your front door
Private terraces, balconies, and rooftop access
Dedicated parking in the city that never sleeps
Easy access on every floor
Top-floor luxury with panoramic city views
Charming pre-war and luxury apartments with fireplaces
Luxury living with swimming pool access
White-glove service with dedicated concierge staff
Buy direct from the sponsor, no board approval needed
Renovation-ready properties with upside potential
Brownstones, rowhouses, and townhomes across NYC
Brand-new apartments with modern finishes and tax abatements
Premium residences starting at $2 million
Affordable apartments for first-time buyers
Classic NYC charm with high ceilings and original details
Open-plan living with soaring ceilings and exposed brick
Two-level apartments with extra space and privacy
Multi-family buildings for owner-occupants and investors
River views and waterfront living across NYC
Below-market deals from motivated sellers