First Time Homebuyer Grant Program

First Time Homebuyer Grant Program은(는) Multiple 카운티, New York 주택 구매자를 위한 탕감 가능 대출입니다. Community Housing Innovations (CHI) is a HUD-approved nonprofit housing counseling agency, founded in 1991, with offices in Westchester, Nassau, and Suffolk Counties. CHI awards approximately $1 million annually in down-payment-assistance and rehabilitation grants/forgivable loans to first-time homebuyers across its multi-county service area (Westchester, Rockland, Putnam, Nassau, Suffolk, and Hudson Valley). Grants typically range from $25,000-$35,000 (with smaller First Home Club savings-match grants up to $5,000 also available). Funds can be used toward down payment, closing costs, and (under the Hudson Valley Home Ownership and Revitalization track) acquisition + renovation. Buyers must complete CHI's free Grant Orientation, attend HUD-approved homebuyer education, and contribute at least 3% of the purchase price from their own funds. Loans are forgiven over a 10-year affordability period. Grants and forgivable loans of $25,000-$35,000 to qualified first-time homebuyers purchasing a one-family home, condominium, or cooperative for owner-occupancy in CHI's service area (Westchester, Rockland, Putnam, Nassau, Suffolk - and select Hudson Valley communities). Funds may be used for down payment, closing costs, and (under the Hudson Valley Home Ownership and Revitalization track) acquisition + renovation. Loans are forgiven over a 10-year affordability period if the buyer continues to occupy the property as primary residence. sales, transfers, or loss of owner-occupancy during the period trigger recapture. 재원은 HOME, State Housing Finance Agency, Federal 및 Private에서 나옵니다.

First Time Homebuyer Grant Program은(는) 최대 $60,000의 지원을 제공합니다. 주택 구매자 부담금: Minimum 3% of purchase price from buyer's own funds (proof of funds required at application). 이 프로그램은 각 지원의 규정에 따라 다른 지원과 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 운영 기관에서 정합니다.

First Time Homebuyer Grant Program은(는) 10년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Forgivable loan over 10-year affordability period 및 if recipient sells, transfers, refinances with cash-out, or ceases to occupy the home as primary residence during the 10-year period, the unforgiven balance is recaptured by CHI. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

First Time Homebuyer Grant 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 (per HUD HOME first-time homebuyer definition); displaced homemakers and single parents may qualify. 신용에 대해 프로그램은 다음과 같이 명시합니다: No published minimum FICO; underwriting follows the buyer's first-mortgage product through a CHI Participating Lender. 주택 구매자 교육 이수가 필요하며, Community Housing Innovations (CHI) - HUD-approved housing counseling agency; eHomeAmerica online + in-person 8-hour homebuyer education course; mandatory CHI Grant Orientation prior to grant application.을(를) 통해 받습니다. 거주 요건: Property must be located within CHI's service area (Westchester, Rockland, Putnam, Nassau, Suffolk, and select Hudson Valley communities) and be the buyer's primary residence for the 10-year affordability period. 시민권 또는 이민 신분: U.S. citizen or eligible non-citizen per HUD HOME rules and CHI Participating Lender underwriting. Buyer must be a first-time homebuyer (no ownership of residential real estate in previous 3 years), occupy the home as primary residence for the 10-year affordability period, and contribute at least 3% of the purchase price from their own funds. Household income limits are 80% HUD AMI for the property's MSA, ranging from approximately $65,604 (1-person, lower-AMI counties) up to $198,586 (large household, higher-AMI counties such as Nassau/Suffolk and Westchester). Buyer must complete CHI's free Grant Orientation, complete HUD-approved homebuyer education through eHomeAmerica or CHI in-person classes, and qualify for a mortgage through a CHI Participating Lender. Property must be a 1-family, condo, or co-op for owner-occupancy located within CHI's service area (Westchester, Rockland, Putnam, Nassau, Suffolk, and select Hudson Valley communities). Funds are subject to availability; approximately $1 million in down-payment-assistance and rehab grants are awarded annually.

First Time Homebuyer Grant Program은(는) 가구 소득을 지역 중위 소득의 60%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Household income must be at or below 80% HUD Area Median Income for the property's MSA. Limits vary by county and household size, ranging from approximately $65,604 (1-person, lower-AMI counties) up to $198,586 (8-person household in higher-AMI counties such as Nassau-Suffolk or Westchester). Current limits published by HUD annually. 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.

First Time Homebuyer Grant Program의 구매 가격 상한은 다음과 같습니다: Maximum purchase price determined per individual program track and HUD HOME 95%-of-median rule for the property's county; varies by program (Westchester, Hudson Valley, or Long Island). 대상 주택 유형: Single-family detached, Condominium 및 Cooperative. 신축 주택도 대상입니다. 조립식 주택은 대상이 아닙니다.

First Time Homebuyer Grant Program은(는) Multiple 카운티, New York에서 주택을 구매하는 주택 구매자를 지원합니다.

First Time Homebuyer Grant Program 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Rolling intake; first-come, first-served subject to annual funding availability. Applicant must attend a Grant Orientation, complete the intake application (2025 Grant Application form), and submit documentation through CHI before being placed under contract. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.