CHI First-Time Homebuyer Grant Program (SMART MOVE NY)

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) هو قرض قابل للإعفاء لمشتري المنازل في Yonkers، New York، وتديره Community Housing Innovations, Inc. (CHI). Community Housing Innovations, Inc. (CHI), a HUD-certified nonprofit serving Westchester County (including the City of Yonkers), administers a First-Time Homebuyer Grant Program funded through the NYS Affordable Housing Corporation and the NYS HOME Program. Income-qualified first-time buyers receive up to $60,000 (tiered by AMI) toward down payment, closing costs, and rehabilitation. The assistance is a forgivable (silent) second-mortgage lien forgiven 20% per year over 5 years. The companion SMART MOVE NY low-interest DPA loan provides up to 20% of the purchase price. Buyers must contribute at least 3% of their own funds, attend CHI's orientation, complete HUD-approved homebuyer education, occupy the home as their principal residence, and finance through a CHI participating lender. Up to $60,000 in grant assistance. Forgivable silent second lien (20%/year, fully forgiven after 5 years). Funds usable for down payment, closing costs, and rehabilitation. SMART MOVE NY low-interest loan up to 20% of purchase price. Free homebuyer orientation, HUD education, and counseling. يأتي التمويل من U.S. HUD HOME Investment Partnerships Program (NYS HOME Program) and NYS Affordable Housing Corporation (AHC) Home Ownership and Revitalization Program / SONYMA.

يقدم CHI First-Time Homebuyer Grant Program (SMART MOVE NY) مساعدة تتراوح بين $32,500 و$60,000. فئات المنحة: Grant amount tiered by household income vs. AMI: $60,000 (up to 60% AMI), $50,000 (up to 80% AMI), $40,000 (up to 90% AMI), $32,500 (up to 110% AMI). مساهمة مشتري المنزل: Minimum 3% of the purchase price from the applicant's own funds (documented savings, 401K, or gifts); not from other grant programs. يمكن الجمع بين البرنامج وOther DPA sources noted on application (e.g., FHLBNY Homebuyer Dream Program grant, LIHP, CDC); applicant must disclose other grant assistance. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Community Housing Innovations, Inc. (CHI) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من CHI First-Time Homebuyer Grant Program (SMART MOVE NY) بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, transfer, refinance, or failure to occupy as principal residence before the 5-year silent second lien is fully forgiven; lien forgiven at 20% per year. تُسجَّل المساعدة في مرتبة الرهن: second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Applicant, co-applicants, and non-borrowing spouses must all be first-time homebuyers (no ownership of a home in the last 3 years). يلزم إكمال دورة لمشتري المنازل، عبر Community Housing Innovations, Inc. (HUD-certified counseling agency) - free Homebuyer Grant Orientation plus HUD-approved homebuyer education course. شرط الإقامة: Grant recipient must occupy the purchased home as principal residence for the duration of the grant; monitored annually. Program serves Westchester County broadly (includes City of Yonkers); CHI's page does not publish a Yonkers-city-specific carve-out or a maximum purchase price, so max_purchase_price is omitted. Applicant may NOT already be in contract. City of Yonkers' own HOME Program is a developer/nonprofit block grant (not a direct individual-homebuyer DPA), so the Westchester/CHI program was documented per the fallback instruction.

يحدد CHI First-Time Homebuyer Grant Program (SMART MOVE NY) دخل الأسرة بما لا يتجاوز 110% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Westchester County 2025-2026 maximum gross household income by family size and AMI tier. 4-person limits: $102,000 (60% AMI), $136,000 (80% AMI), $152,320 (90% AMI), $186,320 (110% AMI). Limits scale by household size 1-6. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 6. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يمكن استخدام CHI First-Time Homebuyer Grant Program (SMART MOVE NY) لـSingle Family، Condo وCo-op. المنازل حديثة البناء غير مؤهلة.

يخدم CHI First-Time Homebuyer Grant Program (SMART MOVE NY) مشتري المنازل الذين يشترون في Yonkers، New York.

تُقدَّم طلبات CHI First-Time Homebuyer Grant Program (SMART MOVE NY) عبر Community Housing Innovations, Inc. (CHI)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.