Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers هو قرض قابل للإعفاء لمشتري المنازل في مقاطعة Suffolk، New York، وتديره Suffolk County Office of Community Development (Department of Economic Development and Planning). The Suffolk County HOME Consortium Down Payment Assistance Program provides eligible first-time homebuyers with up to $30,000 toward the down payment on an owner-occupied single-family residence (including condos, co-ops, and manufactured homes) within the Suffolk County HOME Consortium selection area. Funded with federal HUD HOME dollars, the assistance is a zero-interest deferred-payment loan secured by a subordinate Note & Mortgage that is forgiven after a 10-year affordability period, provided the home is not sold, transferred, or rented and remains the recipient's primary residence. The program does not fund closing costs. Up to $30,000 toward down payment. Zero-interest deferred loan. Fully forgivable after 10 years of owner-occupancy. First-time homebuyer requirement waived for honorably discharged veterans. Covers existing and new-construction homes. Includes condos, co-ops, and manufactured homes. يأتي التمويل من HUD HOME Investment Partnerships Program (federal) via the Suffolk County HOME Consortium.

يقدم Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers مساعدة تصل إلى $30,000. مساهمة مشتري المنزل: Applicant must have a minimum of $3,000 of their own funds in the bank at the time of application; applicant's liquid assets cannot exceed the purchase price of the house. يمكن الجمع بين البرنامج وMay be combined with other down payment assistance programs and homebuyer resources per the County's Additional Resources guide. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Suffolk County Office of Community Development (Department of Economic Development and Planning) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers بعد 10 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, transfer, rental, foreclosure, or loss of owner-occupancy as primary residence during the 10-year affordability period; full repayment if found in violation of affordability restrictions. تُسجَّل المساعدة في مرتبة الرهن: second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time homebuyer requirement (no homeownership in prior 3 years) is waived for U.S. military veterans possessing a DD-214 verifying honorable service/discharge. يلزم إكمال دورة لمشتري المنازل، عبر One-on-one/in-person mortgage counseling at a HUD-certified not-for-profit housing agency; counseling certificate must be dated within 12 months of application; each individual named on the mortgage must attend. شرط الإقامة: Must occupy and maintain the subject property as principal residence throughout the entire 10-year affordability period. STATUS NOTE: As of June 2026 the official program site (scdownpayment.com) states the program is CLOSED for applications, with the next funding round 'expected to open in Summer 2026.' Recurring, annually re-funded county program; this record reflects the most recent published 2024 cycle terms. Does NOT fund purchases in Towns of Babylon, Islip, or Brookhaven. Underwriting ratios: front-end DTI 38%, back-end TDTI 45%, LTV 95%. Purchaser Certificate valid 180 days to submit contract; 90 days to close (300 for new construction).

يحدد Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Gross annual household income may not exceed 80% of HUD area median income; 2024 limits by household size: 1-person $87,500; 2 $100,000; 3 $112,500; 4 $124,950; 5 $134,950; 6 $144,950; 7 $154,950; 8+ $164,950. Includes all income (overtime, bonuses, pensions, Social Security, 401-K distributions, tips, etc.). ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers حدًا أقصى لسعر الشراء قدره $551,000. تشمل أنواع العقارات المؤهلة Single Family، Condo، Co-op وManufactured. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يذكر Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers المحاربين القدامى ضمن الفئات التي يخدمها. ذِكر فئة هنا يعني أن البرنامج يذكرها، لا أن الانتماء إليها وحده يجعل المتقدم مستوفيًا للشروط؛ إذ تظل بقية قواعد الأهلية سارية.

يخدم Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers مشتري المنازل الذين يشترون في مقاطعة Suffolk، New York.

تُقدَّم طلبات Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers عبر Suffolk County Office of Community Development (Department of Economic Development and Planning)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served; Purchaser Certificates issued in order applications are received; waiting list established once available Certificates are exhausted. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.