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

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) es un préstamo condonable para compradores de vivienda en Yonkers, New York, a cargo de 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. Los fondos provienen de U.S. HUD HOME Investment Partnerships Program (NYS HOME Program) and NYS Affordable Housing Corporation (AHC) Home Ownership and Revitalization Program / SONYMA.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) ofrece entre $32,500 y $60,000 de ayuda. Niveles de ayuda: 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). Aporte del comprador de vivienda: Minimum 3% of the purchase price from the applicant's own funds (documented savings, 401K, or gifts); not from other grant programs. El programa se puede combinar con Other DPA sources noted on application (e.g., FHLBNY Homebuyer Dream Program grant, LIHP, CDC); applicant must disclose other grant assistance. Los montos son los máximos publicados por el programa, no una oferta: Community Housing Innovations, Inc. (CHI) determina cualquier ayuda individual.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por 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. La ayuda se registra con un gravamen en posición second. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: Applicant, co-applicants, and non-borrowing spouses must all be first-time homebuyers (no ownership of a home in the last 3 years). Se requiere un curso de educación para compradores de vivienda, a través de Community Housing Innovations, Inc. (HUD-certified counseling agency) - free Homebuyer Grant Orientation plus HUD-approved homebuyer education course. Requisito de residencia: 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.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) limita el ingreso del hogar al 110% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 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. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 6. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) se puede usar para Single Family, Condo y Co-op. La construcción nueva no es elegible.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) atiende a compradores de vivienda que compran en Yonkers, New York.

Las solicitudes de CHI First-Time Homebuyer Grant Program (SMART MOVE NY) se tramitan a través de Community Housing Innovations, Inc. (CHI), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.