UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant es un préstamo condonable para compradores de vivienda en Utica, New York, a cargo de HomeOwnershipCenter (formerly Utica Neighborhood Housing Services / UNHS). The HomeOwnershipCenter (formerly UNHS) administers the Oneida County Down Payment Assistance + Rehabilitation Grant, a 100% forgivable loan of up to $31,500 for first-time homebuyers purchasing an existing single-family home anywhere in Oneida County. The award combines a DPA component (up to $15,000, income-tiered) with a rehabilitation component (up to $16,500) to address structural defects and health/safety systems in the purchased home. A 10-year lien is placed on the property and forgiven in full if the buyer remains owner-occupant for the entire period. Homebuyer education and financial coaching through the HomeOwnershipCenter are required before application. Up to $31,500 combined DPA+rehab. 100% forgivable over 10 years. 112% AMI income limit (generous). Stackable with FHLBNY HDP and other programs. County-wide Oneida County coverage. Los fondos provienen de Oneida County federal HOME/CDBG funds.

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant ofrece hasta $31,500 de ayuda. Niveles de ayuda: Income tiered: up to $15,000 DPA based on income; rehab portion up to $16,500 based on DPA award and property needs. Aporte del comprador de vivienda: Minimum $2,000 of buyer's own funds toward purchase; all closing costs are buyer's responsibility. 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: HomeOwnershipCenter (formerly Utica Neighborhood Housing Services / UNHS) determina cualquier ayuda individual.

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant 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, transfer, or failure to owner-occupy within 10-year lien period. 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.

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant 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: Standard HUD FTHB definition applies. Sobre el crédito, el programa indica: Must qualify for a first mortgage with a bank, mortgage company, or credit union at fair interest rate and terms. Se requiere un curso de educación para compradores de vivienda, a través de HomeOwnershipCenter (UNHS) HUD-approved 8-hour Home Buyer Education class + 1-hour financial coaching session required. Requisito de residencia: Property must be in Oneida County target areas. Program subject to funding availability; current UNHS home buyer webpage (updated Dec 2025) does not list this program among active DPA tabs; applicants should call (315) 724-4197 to confirm current funding status. Minimum $2,000 buyer contribution required. All closing costs are buyer's responsibility. 7 days advance notice of closing required.

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant limita el ingreso del hogar al 112% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 112% of HUD Low Income Limits for Oneida County: 1-person $45,400; 2-person $52,000; 3-person $58,400; 4-person $64,900; 5-person $70,100; 6-person $75,300; 7-person $80,500; 8-person $85,700. 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.

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant limita el precio de compra así: Combined household assets must not exceed 25% of unsubsidized sale price of the rehabilitated home; projected housing ratios must fall between 25%-33%. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva no es elegible. Las viviendas prefabricadas no son elegibles.

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant atiende a compradores de vivienda que compran en Utica, New York.

Las solicitudes de UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant se tramitan a través de HomeOwnershipCenter (formerly Utica Neighborhood Housing Services / UNHS), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Compass portal at hoc.my.site.com. 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.