SONYMA Down Payment Assistance Loan (DPAL)

SONYMA Down Payment Assistance Loan (DPAL) es un préstamo condonable para compradores de vivienda en New York, a cargo de State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR). SONYMA's Down Payment Assistance Loan (DPAL) provides funds toward down payment and/or closing costs (including mortgage insurance premiums) for buyers using a SONYMA first-mortgage program. The DPAL is a 0% interest, no-monthly-payment second loan that is forgiven after 10 years. 0% interest rate; no monthly payments; forgiven after 10 years; can be used to cover all or part of mortgage insurance premium to reduce the monthly payment.

SONYMA Down Payment Assistance Loan (DPAL) ofrece entre $1,000 y $15,000 de ayuda. Los montos son los máximos publicados por el programa, no una oferta: State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR) determina cualquier ayuda individual.

SONYMA Down Payment Assistance Loan (DPAL) 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 Sale or refinance of the home within the first 10 years; repayable amount decreases 1/120 per month of occupancy; any shortage from sale proceeds is 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.

SONYMA Down Payment Assistance Loan (DPAL) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Must be used in conjunction with a SONYMA mortgage and the chosen SONYMA program's property-type rules apply (incl. cooperatives). DPAL cannot exceed actual down payment and/or closing costs. Cash back at closing not allowed (except special circumstances). SONYMA will not allow the DPAL to be subordinate to another mortgage. First-mortgage interest rate is 0.40% higher when a DPAL is attached (does NOT apply to Graduate to Homeownership, Homes for Veterans, or ENERGY STAR programs). Borrower must make a minimum cash contribution of 1% of property value (3% for cooperatives and 3- and 4-family properties). Not all participating SONYMA lenders offer DPALs. Amount is the higher of 3% of purchase price (up to $15,000) or $3,000; minimum $1,000.

SONYMA Down Payment Assistance Loan (DPAL) atiende a compradores de vivienda que compran en cualquier lugar de New York.

Las solicitudes de SONYMA Down Payment Assistance Loan (DPAL) se tramitan a través de State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR), 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.