Real estate firms are on the frontlines of the industry and are seeing firsthand how housing affordability and local economic conditions are impacting their clients.
WHITE PLAINS—Two new developments in downtown White Plains are offering a rare chance to own a home close to work, family, and community.
WBP Development, in partnership with the Housing Action Council (HAC), Westchester Residential Opportunities (WRO), the City of White Plains, Westchester County, and New York State Homes and Community Renewal (HCR), announced on Nov. 18 that the application period is now open for the affordable homeownership lotteries at 6 Cottage Place and 99 Church St. in downtown White Plains.
Construction loans for 6 Cottage and 99 Church St. have been provided by M&T Bank and the Community Preservation Corporation (CPC), respectively. These lotteries represent a chance to live and own in one of the region’s most vibrant, transit-connected communities.
Together, the two developments will bring 108 new affordable condominium homes to market, including homes specially adapted for people with mobility impairments and for people with hearing or visual impairment. A portion of the units will focus on providing homeownership opportunities to those affected by Hurricane Ida, employees of Westchester County and the City of White Plains, and those who are residing or waitlisted in local public or subsidized housing development.
“Access to homeownership is the cornerstone of a strong, stable community. These new developments in downtown White Plains represent real progress toward our goal of making Westchester a place where people who work here—teachers, nurses, first responders, and young professionals—can also afford to live and build their futures. The county is proud to partner on projects, like this, that keep Westchester’s workforce and families rooted right here at home,” said Westchester County Executive Ken Jenkins.
99 Church St. offers 68 one-, two-, and three-bedroom condominium homes.
Each property features high-performance, fully electric homes with amenities designed for comfort, accessibility, security and long-term affordability, WBP Development stated.
6 Cottage Place offers 40 studios, one-, and three-bedroom condominium homes starting in the low $200,000s.
99 Church St. offers 68 one-, two-, and three-bedroom condominium homes starting in the low $300,000s.
Accessible Units:
6 Cottage: Three accessible units for mobility impaired (studio, 1- & 3-bed); three accessible units for hearing/vision impaired (studio, 1- & 3-bed)
99 Church: Four accessible units for mobility impaired (1-, 2-, & 3-bed); Two accessible units for hearing/vision impaired (1- & 2-bed).
New York State Homes and Community Renewal’s Affordable Homeownership Opportunity Program provided $8 million to help support 6 Cottage Place and $13.6 million to help support 99 Church St..
New York State Homes and Community Renewal Commissioner RuthAnne Visnauskas said, “Under Governor Hochul’s leadership, AHOP has provided vital funding to create and preserve affordable housing across New York – in this case, allowing families to grow generational wealth by owning a home that is also near work and transit. Thank you to WBP Development, the Housing Action Council, Westchester Residential Opportunities and our municipal partners for bringing homeownership within reach for more than 100 individuals and families who will be able to call 6 Cottage Place and 99 Church St. home.”
“This is exactly the kind of housing we need more of in White Plains—beautiful, energy-efficient homes that strengthen our neighborhoods and give residents a real stake in our city’s future,” said White Plains Mayor Tom Roach. “WBP Development and its partners are helping ensure that the opportunity to own a home in White Plains is open to everyone—from young professionals building their careers to seniors looking to downsize and stay near friends and family.”
How to Apply
Applications are available at homeseeker.westchestergov.com and more information and applications can be found at: 6CottageCondo.com, 99ChurchCondo.com and at affordablewestchester.org.
The lotteries for 6 Cottage and 99 Church condos will be held in March 2026. Applications for 6 Cottage are due by Feb. 12, 2026, and applications for 99 Church are due by March 2, 2026. Late applications will be added to a waitlist. Applicants are encouraged to apply for both lotteries.
Informational Workshops
To help potential applicants learn more about eligibility requirements and how the affordable homeownership lottery works, a series of in-person and virtual workshops will be held in the coming weeks. These sessions will provide step-by-step guidance on how to apply and what to expect throughout the process.
The schedule of workshops can be found at affordablewestchester.org. Applicants can also contact the Housing Action Council at HAC@affordablehomes.org for free homeownership counseling to help prepare the necessary paperwork and navigate the process.
Real estate firms are on the frontlines of the industry and are seeing firsthand how housing affordability and local economic conditions are impacting their clients.
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