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

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) è un prestito condonabile per chi compra casa in Yonkers, New York, gestito da 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. I fondi provengono da 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) offre un aiuto tra $32,500 e $60,000. Fasce di contributo: 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). Contributo di chi compra casa: Minimum 3% of the purchase price from the applicant's own funds (documented savings, 401K, or gifts); not from other grant programs. Il programma può essere combinato con Other DPA sources noted on application (e.g., FHLBNY Homebuyer Dream Program grant, LIHP, CDC); applicant must disclose other grant assistance. Gli importi sono i massimi pubblicati dal programma, non un'offerta: è Community Housing Innovations, Inc. (CHI) a stabilire l'eventuale importo per ciascuna persona.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) viene condonato dopo 5 anni, quindi chi resta nella casa per quel periodo non lo restituisce. Il rimborso scatta in caso di 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. L'aiuto è iscritto in posizione second. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: Applicant, co-applicants, and non-borrowing spouses must all be first-time homebuyers (no ownership of a home in the last 3 years). È richiesto un corso per chi compra casa, tramite Community Housing Innovations, Inc. (HUD-certified counseling agency) - free Homebuyer Grant Orientation plus HUD-approved homebuyer education course. Requisito di residenza: 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 il reddito familiare al 110% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. 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. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. Il programma indica una dimensione massima del nucleo familiare di 6. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) può essere usato per Single Family, Condo e Co-op. Le nuove costruzioni non sono idonee.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY) si rivolge a chi compra casa in Yonkers, New York.

Le domande per CHI First-Time Homebuyer Grant Program (SMART MOVE NY) passano da Community Housing Innovations, Inc. (CHI), che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. Hey Prescott non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.