Brookhaven HOME Down Payment Assistance Program

Brookhaven HOME Down Payment Assistance Program은(는) Brookhaven, New York 주택 구매자를 위한 탕감 가능 대출입니다. The Town of Brookhaven HOME Down Payment Assistance Program provides eligible first-time homebuyers with up to $50,000 in zero-interest deferred-payment down payment and closing-cost assistance toward the purchase of a new or existing single-family home within the Town of Brookhaven (Suffolk County). Administered by the Long Island Housing Partnership (LIHP) under contract with the Town of Brookhaven, the program is funded through HUD HOME federal funds passed through the Town. Grant recipients must occupy the home as principal residence for a minimum of 10 years (15 years for higher tiers); during the affordability period, the loan is forgiven so long as compliance is maintained. Annual monitoring affidavits are mailed to recipients. Funds are first-come, first-served until exhausted. Maximum purchase price $551,000 reflects the Long Island market. Up to $50,000 in zero-interest deferred-payment HOME down payment / closing-cost assistance toward the purchase of an eligible new or existing single-family home in the Town of Brookhaven. Funds are essentially a deferred-payment, non-interest-bearing forgivable loan that is forgiven if the buyer remains in the home as principal residence for the 10-15 year affordability period. Maximum eligible purchase price $551,000 (reflective of Suffolk County / Long Island market). 재원은 HOME, Federal 및 Local Government에서 나옵니다.

Brookhaven HOME Down Payment Assistance Program은(는) 10년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Zero-interest deferred-payment forgivable loan 및 no payments due unless the home is sold, transferred, refinanced with cash-out, or no longer occupied as primary residence during the 10-15-year affordability period - in which case the unforgiven balance is repaid in full to the Town of Brookhaven. After the affordability period, no further obligation. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Brookhaven HOME Down Payment Assistance Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: Must not have owned any residential real estate in the previous 3 years (HUD HOME first-time homebuyer definition). 신용에 대해 프로그램은 다음과 같이 명시합니다: Minimum 580 FICO; buyer must qualify for a first mortgage with adequate financial resources. 주택 구매자 교육 이수가 필요하며, Long Island Housing Partnership (LIHP) - HUD-approved housing counseling agency; HUD-approved homebuyer education / pre-purchase counseling required prior to closing.을(를) 통해 받습니다. 거주 요건: Property must be located within the Town of Brookhaven (Suffolk County), NY, and be the buyer's primary residence for the 10-15-year affordability period; cannot be used as rental property. 시민권 또는 이민 신분: U.S. citizen or eligible non-citizen permitted by underlying first-mortgage product and HUD HOME rules. Property must be an eligible new or existing single-family home located within the Town of Brookhaven (Suffolk County). Buyer must be a first-time homebuyer (no ownership of residential real estate in previous 3 years). Maximum eligible purchase price $551,000 (HUD HOME 95% rule for Suffolk). Household income limits: 1-person approximately $92,350 up to 8-person $174,150 (80% HUD AMI for Nassau-Suffolk MSA, varies by household size). Minimum 580 FICO; buyer must qualify for a first mortgage with adequate financial resources. Buyer must occupy the home as primary residence for 10 years (HUD HOME affordability period; some grant tiers extend to 15 years). Annual monitoring affidavit mailed to grant recipient; failure to comply triggers full repayment. Buyer cannot use property as rental or for any non-owner-occupied purpose. Funds are available first-come, first-served until exhausted. Additional layered funding from New York State Affordable Housing Corporation (AHC) may be available for qualified buyers.

Brookhaven HOME Down Payment Assistance Program은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Household income must be at or below 80% HUD Area Median Income for the Nassau-Suffolk HUD Metro FMR Area. 2025 80% AMI limits range approximately: 1-person $92,350; 2-person $105,550; 3-person $118,750; 4-person $131,900; 5-person $142,500; 6-person $153,050; 7-person $163,600; 8-person $174,150. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 프로그램에 명시된 최대 가구 규모는 8명입니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Brookhaven HOME Down Payment Assistance Program은(는) 구매 가격 상한을 $551,000(으)로 정합니다. 대상 주택 유형: Single-family detached, Condominium 및 Townhouse. 신축 주택도 대상입니다. 조립식 주택은 대상이 아닙니다.

Brookhaven HOME Down Payment Assistance Program은(는) Brookhaven, New York에서 주택을 구매하는 주택 구매자를 지원합니다.

Brookhaven HOME Down Payment Assistance Program 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: First-come, first-served through the Long Island Housing Partnership (LIHP) until funding is exhausted. Applicants apply via LIHP's online portal at lihp.tfaforms.net/5103385 after completing intake and homebuyer education. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.