Onondaga County Community Development Home Ownership Program

Onondaga County Community Development Home Ownership Program es una segunda hipoteca silenciosa para compradores de vivienda en Statewide, New York, a cargo de Onondaga County Community Development Division. Onondaga County Community Development purchases, rehabilitates, and sells single-family homes (often formerly vacant) at a subsidized price to income-eligible first-time homebuyers. The buyer subsidy is generally secured by a second mortgage due only if the property is sold within ten years (otherwise forgiven). Buyers must be first-time homebuyers, meet income limits (2026 NYS AHC 112% of Low-Income), qualify for a mortgage, and complete homebuyer counseling. Eligible buyers are selected by lottery from a mailing list as homes become available. Subsidized purchase price on a County-rehabilitated home. Subsidy structured as a 0% second mortgage forgiven after 10 years of ownership. Los fondos provienen de Onondaga County and New York State funds, including NYS Affordable Housing Corporation (AHC).

Onondaga County Community Development Home Ownership Program se perdona después de 10 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Subsidy second mortgage is due only if the property is sold within ten (10) years; otherwise forgiven. 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.

Onondaga County Community Development Home Ownership Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Comprador de vivienda por primera vez” suele significar no haber sido dueño de una vivienda en los últimos tres años, pero el programa fija su propia definición. Se requiere un curso de educación para compradores de vivienda, a través de Home HeadQuarters, Inc. homebuyer education. Requisito de residencia: Home must be a County Community Development homeownership property within Onondaga County. LOAN TERM: buyer subsidy secured by a second mortgage, 0% interest, due ONLY if the property is sold within 10 years (otherwise forgiven); max subsidy varies by income/housing expenses/subsidy source. MODEL: County acquires/rehabs single-family homes and sells at a subsidized price (typically $180,000-$240,000 before subsidy). Eligibility: first-time buyer, mortgage-qualified, income below 2026 NYS AHC 112% Low-Income limits, required homebuyer counseling (Home HeadQuarters); selection by lottery. ACTIVE/FUNDED: county Home Ownership page modified 2026-05-20 with 2026 income limits. Distinct from City of Syracuse / Home HeadQuarters programs (county-wide, excludes city).

Onondaga County Community Development Home Ownership Program limita el ingreso del hogar a $95,700. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. 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.

Onondaga County Community Development Home Ownership Program limita el precio de compra así: County-acquired/rehabbed homes sold at a subsidized price; typically $180,000-$240,000 before subsidy. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva no es elegible.

Onondaga County Community Development Home Ownership Program atiende a compradores de vivienda que compran en Statewide, New York. Vecindarios prioritarios: Onondaga County (excluding City of Syracuse programs); CDBG-eligible areas.

Las solicitudes de Onondaga County Community Development Home Ownership Program se tramitan a través de Onondaga County Community Development Division, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Buyers join a mailing list; eligible buyers selected by lottery for available County-rehabilitated homes. 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.