Nassau County HOME Down Payment Assistance Program

Nassau County HOME Down Payment Assistance Program é um empréstimo perdoável para compradores de imóveis em Condado de Nassau, New York, administrado por Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development. 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. Os recursos vêm de U.S. HUD HOME Investment Partnerships (HOME) Program funds, administered by Nassau County.

Nassau County HOME Down Payment Assistance Program oferece até $50,000 de ajuda. Contribuição do comprador de imóvel: 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. O programa pode ser combinado com Most other assistance programs and mortgages (e.g., SONYMA, NYS AHC, Employer Assisted Housing Program); NOT other Nassau County HOME-funded programs. Os valores são os máximos publicados pelo programa, não uma oferta — Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development define qualquer ajuda individual.

Nassau County HOME Down Payment Assistance Program é perdoado após 15 anos, então o comprador de imóvel que permanecer esse tempo não o devolve. O reembolso é acionado por 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). A ajuda é registrada como ônus em posição second. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Nassau County HOME Down Payment Assistance Program é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: 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. Sobre crédito, o programa afirma: 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. É exigido um curso de educação para compradores de imóveis, por meio de 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. Requisito de residência: Must occupy as principal residence throughout the 15-year affordability period; annual notarized monitoring affidavit required. Cidadania ou situação imigratória: 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 Program limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. 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. O limite vale para a renda total da família, não só a do mutuário. O programa indica um tamanho máximo de família de 8. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Nassau County HOME Down Payment Assistance Program limita o preço de compra a $608,000. Os tipos de imóvel elegíveis incluem Single Family, Townhouse, Condo, Co-op e Manufactured. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

Nassau County HOME Down Payment Assistance Program atende compradores de imóveis que compram em Condado de Nassau, New York.

As inscrições para Nassau County HOME Down Payment Assistance Program são feitas por meio de Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development, que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de 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. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.