Community Bank, N.A., (CBNA) is a full-service financial institution and national banking subsidiary of Community Bank System, Inc. With locations across Upstate New York and Northeastern Pennsylvania, CBNA offers personal loans, mortgages, checking and savings accounts, credit and debit cards, online banking, mobile banking, commercial loans, cash management and more. In addition to a full range of retail and business banking services, the company offers comprehensive financial planning, insurance and wealth-management services.
Government Loans and Affordable Housing Programs

Affordable Housing Programs & Products

Type of Mortgage Key Features & Benefits
Community Bank, N.A.
No Closing Cost Mortgage
  • Great product for the first time home buyers and those with limited savings
  • All qualified customers are eligible
  • No mortgage related closing costs (certain restrictions apply)
  • Click here for more details
United States Department of Agriculture (USDA) Loans
  • Zero down payment
  • For owner occupied and single family homes
  • Property must be in eligible area
  • Up to 100% Loan To Value ratio
  • Seller can contribute up to 6% of sales price to be used for closing costs and pre-paid interest and tax escrows
Other Affordable Housing Programs
  • Community Bank, N.A. participates with and supports a number of other local affordable housing agencies in New York and Pennsylvania.  Ask your local Community Bank branch for the organizations that we participate within your area. 

  • In conjunction with these programs, borrowers may qualify for a Community Bank, N.A. Affordable Loan.  This product requires no mortgage related closing costs to be paid by the borrower, and offers a rate of interest below the banks standard No Closing Cost Mortgage Loan product. 

Other qualifications/restrictions may apply.  Contact your local Community Bank branch for more details.

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