Nassau County HOME Down Payment Assistance Program

Nassau County HOME Down Payment Assistance Program은(는) Nassau 카운티, New York 주택 구매자를 위한 탕감 가능 대출이며, Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development에서 운영합니다. A HUD HOME-funded down payment and closing cost assistance program for first-time homebuyers purchasing an owner-occupied single-family home in Nassau County, NY. Provides up to $50,000 as a zero-interest deferred loan secured by a subordinate Note & Mortgage, forgiven after a 15-year affordability period. Administered by the Long Island Housing Partnership as agent for the Nassau County Office of Housing & Community Development. The program runs in annual cycles on a first-come, first-served basis until funding is exhausted. Up to $50,000 in down payment/closing cost assistance. Zero-interest deferred loan, fully forgiven after 15 years. Can be combined with SONYMA, NYS AHC, and Employer Assisted Housing programs. Free HUD-certified mortgage counseling through LIHP. Available for new or existing homes, condos, co-ops, townhouses, and manufactured homes. 재원은 U.S. HUD HOME Investment Partnerships (HOME) Program funds, administered by Nassau County에서 나옵니다.

Nassau County HOME Down Payment Assistance Program은(는) 최대 $50,000의 지원을 제공합니다. 주택 구매자 부담금: Minimum $5,000 of buyer's own funds/verifiable liquid assets (shown across 3 consecutive months at application); buyer must put at least 3% of purchase price down from own funds and cover all closing costs. Post-closing liquid assets capped at $61,550. 이 프로그램은 Most other assistance programs and mortgages (e.g., SONYMA, NYS AHC, Employer Assisted Housing Program); NOT other Nassau County HOME-funded programs.와(과) 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development에서 정합니다.

Nassau County HOME Down Payment Assistance Program은(는) 15년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Sale, transfer, or ceasing to occupy as primary residence before the end of the 15-year affordability period; prorated recapture applies (100% in years 1-10, then declining 80%/60%/40%/20% in years 11-14, 0% after 15 years). 지원금은 second 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Nassau County HOME Down Payment Assistance Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: May own vacant land or a vacation timeshare provided no mortgage-interest or property-tax deduction was taken in the prior 3 years. FTHB defined as not having owned a home in the 3-year period immediately prior to application. 신용에 대해 프로그램은 다음과 같이 명시합니다: Middle credit score of all borrowers from three national repositories must be at least 580 (higher may be required by lenders). No outstanding collections/judgments; bankruptcy discharged 3+ years; foreclosure/deed-in-lieu 3+ years old. 주택 구매자 교육 이수가 필요하며, Long Island Housing Partnership (LIHP) pre-purchase mortgage counseling (HUD-certified; ~2 hours, free). A LIHP counseling certificate issued within the last 12 months may satisfy the requirement.을(를) 통해 받습니다. 거주 요건: Must occupy as principal residence throughout the 15-year affordability period; annual notarized monitoring affidavit required. 시민권 또는 이민 신분: Each applicant must be a U.S. Citizen or Qualified non-Citizen (per 8 USC 1641, 42 USC 1436a, 24 CFR Part 5 Subpart E). ANNUAL CYCLE PROGRAM - application intake is currently CLOSED between cycles. The most recent (2025) cycle opened March 18, 2025 and closed June 18, 2025. As of June 2026 the next (2026) cycle had not yet opened; LIHP invites applicants to check back. Buyer cannot enter a purchase contract before receiving a Purchaser Certificate. A Nassau County representative attends all closings. The County's own webpage shows stale 2018 figures; this record relies on the current 2025 guidelines ($50,000 / $608,000 / 15-year term).

Nassau County HOME Down Payment Assistance Program은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Gross annual household income may not exceed 80% of HUD area median by household size (as of 9/2024): 1=$87,500; 2=$100,000; 3=$112,500; 4=$124,950; 5=$134,950; 6=$144,950; 7=$154,950; 8+=$164,950. Includes all income (OT, bonuses, pensions, SS, 401k distributions, tips). A minimum household income (historically ~$30,000) is also required. 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.

Nassau County HOME Down Payment Assistance Program은(는) 구매 가격 상한을 $608,000(으)로 정합니다. 대상 주택 유형: Single Family, Townhouse, Condo, Co-op 및 Manufactured. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

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

Nassau County HOME Down Payment Assistance Program 신청은 Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: First-come, first-served; applications accepted until 75 applicants are qualified eligible or the cycle deadline, whichever comes first. Purchaser Certificates issued in order received. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.