Reparative Housing Justice Fund (RHJF)

Reparative Housing Justice Fund (RHJF) es una subvención para compradores de vivienda en Albany, New York. The Reparative Housing Justice Fund (RHJF) is a first-of-its-kind reparations-focused grant program operated by the Affordable Housing Partnership of the Capital Region (AHP) to provide non-repayable down payment, closing cost, and gap-financing assistance to descendants of Black families harmed by Albany's history of redlining, urban-renewal displacement (notably the demolition of the South End and Arbor Hill neighborhoods), and other discriminatory housing practices. The grant is structured as a true grant (no lien, no repayment, no recapture) and is funded through philanthropic, foundation, and private-sector commitments raised by AHP. Eligible applicants must document lineage to historically-harmed Albany neighborhoods, complete AHP pre-purchase counseling, and purchase a primary residence in the Capital Region. Reparative grant of up to $100,000 in down payment, closing cost, and gap-financing assistance for descendants of Albany residents harmed by historic redlining, urban renewal displacement, and discriminatory housing policies. Funds are provided as a non-repayable grant - no monthly payment, no lien, no recapture. Los fondos provienen de Philanthropic, Foundation y Private.

Reparative Housing Justice Fund (RHJF) ofrece hasta $10,000 de ayuda. Aporte del comprador de vivienda: No buyer contribution required; full grant. El programa se puede combinar con otras ayudas, sujeto a las reglas de cada una. Los montos son los máximos publicados por el programa, no una oferta: la agencia que administra el programa determina cualquier ayuda individual.

Reparative Housing Justice Fund (RHJF) está estructurado como una subvención, así que no se devuelve. El reembolso se activa por None - true grant y no repayment. La ayuda se registra con un gravamen en posición 0. 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.

Reparative Housing Justice Fund (RHJF) 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: Not restricted to first-time buyers; descendants of harmed families eligible regardless of prior ownership. Sobre el crédito, el programa indica: No fixed minimum; subject to first-mortgage product underwriting (typically 620+ for conventional, 580+ for FHA). Se requiere un curso de educación para compradores de vivienda, a través de Affordable Housing Partnership of the Capital Region (HUD-approved counseling agency); pre-purchase education and one-on-one counseling required. Requisito de residencia: Property must be in the Capital Region (Albany, Rensselaer, Schenectady, or Saratoga County) and used as borrower's principal residence. Ciudadanía o situación migratoria: U.S. citizen or eligible non-citizen per first-mortgage product. RACIAL-TARGETING / REPARATIONS PROGRAM: Eligibility limited to descendants of Black/African-American families who lived in Albany neighborhoods harmed by historic redlining (HOLC red-lined zones), Albany urban-renewal demolitions (e.g., the South End, Arbor Hill, Sheridan Hollow), or other documented racially-discriminatory housing policies. Applicants must document lineage to a household that lived in a designated historically-harmed Albany neighborhood. Income at or below 120% AMI for Albany-Schenectady-Troy MSA: 1-person ~$62,850 to 4-person ~$118,500. Property must be located in the Capital Region (Albany, Rensselaer, Schenectady, Saratoga counties) and used as principal residence. Buyer must complete AHP homebuyer education and one-on-one counseling. No race/ethnicity flag exists in schema - documented here per program design.

Reparative Housing Justice Fund (RHJF) limita el ingreso del hogar al 120% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income between approximately $62,850 (1-person 80% AMI floor) and $118,500 (4-person 120% AMI cap) for Albany-Schenectady-Troy MSA. 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.

Reparative Housing Justice Fund (RHJF) limita el precio de compra así: No fixed dollar cap; subject to first-mortgage and appraisal underwriting. Los tipos de propiedad elegibles incluyen Single-family detached, Condominium, Townhouse y 2-4 unit owner-occupied. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Reparative Housing Justice Fund (RHJF) atiende a compradores de vivienda que compran en Albany, New York. El programa se dirige a áreas específicas: Capital Region (Albany, Rensselaer, Schenectady, Saratoga counties) with preference for historically redlined and urban-renewal-impacted Albany neighborhoods (South End, Arbor Hill, Sheridan Hollow, West Hill).

Las solicitudes de Reparative Housing Justice Fund (RHJF) se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Application via AHP intake; reviewed for lineage documentation, income, and counseling status; first-come, first-served subject to fund availability. 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.