Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance) هو قرض قابل للإعفاء لمشتري المنازل في Amherst، New York، وتديره Town of Amherst Planning Dept., Community Development Office (Amherst-Cheektowaga-Tonawanda HOME Consortium). The Town of Amherst, a member of the Amherst-Cheektowaga-Tonawanda HOME Consortium, offers deferred 0% interest loans of up to $50,000 to income-eligible first-time homebuyers for down payment and closing costs on a home in the Town of Amherst or Village of Williamsville. Assistance brings the buyer's front-end ratio to 35%; remaining funds cover closing costs. The down payment portion is forgiven after 15 years of owner-occupancy; the closing-cost portion is always repayable. HOME-funded and administered by the Town's Community Development Office. Up to $50,000 in 0% interest deferred assistance. DPA portion forgiven after 15 years. Can buy down points. No monthly payments. يأتي التمويل من Federal HOME Investment Partnerships Program via the Amherst-Cheektowaga-Tonawanda HOME Consortium.

يقدم Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance) مساعدة تصل إلى $50,000. مساهمة مشتري المنزل: Homebuyer must contribute at least $1,000 toward the down payment. يمكن الجمع بين البرنامج وSupplementary low-down-payment mortgage products; SONYMA/FHA/USDA/VA first mortgages. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Town of Amherst Planning Dept., Community Development Office (Amherst-Cheektowaga-Tonawanda HOME Consortium) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance) بعد 15 سنةً، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند DPA portion forgiven after 15 years of continuous owner-occupancy; due in full on sale, title transfer, refinance, or ceasing owner-occupancy. Closing-cost portion is always repayable. تُسجَّل المساعدة في مرتبة الرهن: Subordinate (second lien securing the Consortium loan). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance) مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: false. يلزم إكمال دورة لمشتري المنازل، عبر Belmont Housing Resources for WNY, Inc. (free six-hour HUD-certified homebuyer workshop) - (716) 884-7791 x131. شرط الإقامة: Property in the Town of Amherst or Village of Williamsville; occupy as principal residence (>=9 months/year). LOAN TERM: deferred 0% forgivable loan up to $50,000 secured by a collateral (second) mortgage; DPA portion forgiven after 15 years of continuous principal-residence occupancy, closing-cost portion never forgiven; repayment on sale/transfer/refinance/additional debt requiring subordination/loss of owner-occupancy. STATUS: live Town site shows program 'closed for the time being due to funding limitations,' accepting waiting-list applications only, but maintains current FY2026 documentation (Fact Sheet, Guidelines, Income Guidelines eff. 6/1/2026; waitlist application 7/2025) - actively administered recurring program in a temporary funding lapse; re-verify open/closed intake at review. ELIGIBILITY: first-time buyer (no ownership prior 3 yrs); <=80% Erie County AMI; min $1,000 buyer contribution; front-end DTI <=35%, back-end <=45%; max price $265,000 single-family; outside 100/500-yr floodplain; Belmont Housing workshop required.

يحدد Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance) دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. At or below 80% of Erie County AMI (FY2026, eff. 6/1/2026): 1=$56,850; 2=$65,000; 3=$73,100; 4=$81,200; 5=$87,700; 6=$94,200; 7=$100,700; 8=$107,200. Income of all members 16+ counted per 24 CFR 5.609. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 8. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance) حدًا أقصى لسعر الشراء قدره $265,000. تشمل أنواع العقارات المؤهلة Single Family، Condo وTownhouse. المنازل حديثة البناء غير مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance) مشتري المنازل الذين يشترون في Amherst، New York.

تُقدَّم طلبات Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance) عبر Town of Amherst Planning Dept., Community Development Office (Amherst-Cheektowaga-Tonawanda HOME Consortium)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Application-based through Town Community Development; waiting list when funds exhausted. Currently temporarily closed (funding limitations), accepting waiting-list applications only. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.