Nassau County HOME Down Payment Assistance Program

Nassau County HOME Down Payment Assistance Program — это списываемый заём для покупателей жилья: округ Nassau, New York; администратор — 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. Источник финансирования: U.S. HUD HOME Investment Partnerships (HOME) Program funds, administered by Nassau County.

Nassau County HOME Down Payment Assistance Program предоставляет до $50,000 помощи. Взнос покупателя жилья: 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. Программу можно сочетать с: Most other assistance programs and mortgages (e.g., SONYMA, NYS AHC, Employer Assisted Housing Program); NOT other Nassau County HOME-funded programs. Суммы — это опубликованные программой максимумы, а не предложение; размер каждой отдельной помощи определяет Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development.

Nassau County HOME Down Payment Assistance Program: долг списывается через 15 лет, поэтому покупателю жилья, который проживёт в доме этот срок, возвращать ничего не нужно. Возврат требуется в случае: 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). Помощь регистрируется как залог в очереди: second. Условия списания и возврата устанавливает программа, и они могут меняться — перед подачей заявки проверьте их на официальной странице программы.

Nassau County HOME Down Payment Assistance Program открыта для тех, кто покупает жильё впервые и покупателей жилья, которые будут жить в доме как в основном месте жительства. Из правила «впервые» здесь есть исключения: 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. О кредитной истории программа сообщает: 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. Обязателен курс для покупателей жилья, через 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. Требование о месте жительства: Must occupy as principal residence throughout the 15-year affordability period; annual notarized monitoring affidavit required. Гражданство или иммиграционный статус: 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 ограничивает доход домохозяйства 80% от медианного дохода по району, который зависит от округа и размера семьи. 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. Предел относится к общему доходу домохозяйства, а не только к доходу заёмщика. Программа указывает максимальный размер домохозяйства: 8. Показатели медианного дохода по району публикует HUD и обновляет ежегодно, поэтому, прежде чем полагаться на цифру, сверьтесь с действующей таблицей для округа.

Nassau County HOME Down Payment Assistance Program ограничивает цену покупки суммой $608,000. Допустимые виды жилья: Single Family, Townhouse, Condo, Co-op и Manufactured. Новостройки допускаются. Сборные (заводские) дома допускаются.

Nassau County HOME Down Payment Assistance Program помогает покупателям жилья, которые покупают в этом месте: округ Nassau, New York.

Заявки на Nassau County HOME Down Payment Assistance Program подаются через Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development; агентство публикует действующие условия и порядок подачи на своём сайте. Средства резервируются через 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 Prescott не является кредитором и не принимает заявки; эта страница описывает программу, чтобы покупатель жилья мог обсудить её с кредитором или жилищным консультантом.