BCNI Homebuyer Assistance Program (Downpayment Assistance)

Ang BCNI Homebuyer Assistance Program (Downpayment Assistance) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Schenectady, New York, na pinangangasiwaan ng Better Community Neighborhoods, Inc. (BCNI). BCNI's Homebuyer Assistance Program helps low-income, first-time homebuyers in the City of Schenectady (and Montgomery County) purchase their first home by providing downpayment and closing cost assistance for up to 10% of the purchase price, with an average grant of about $9,000 depending on the buyer's needs and the home's location. BCNI serves as the Local Program Administrator on behalf of the City of Schenectady and NYS Homes and Community Renewal. Assistance is structured as a forgivable, interest-free grant over a five-year period of affordability; if the buyer sells, moves, or stops occupying the home during that period, a pro-rated portion must be repaid with no interest. Up to 10% of purchase price toward downpayment and closing costs. Average grant ~$9,000. Interest-free (0%). Forgivable over a 5-year affordability period. No repayment if owner-occupancy maintained for 5 years. HUD-certified pre-purchase counseling and referrals. Ang pondo ay mula sa Federal and State funds awarded to BCNI on behalf of the City of Schenectady and NYS Homes and Community Renewal (HCR) (e.g., HOME/CDBG and state housing program funds).

Nagbibigay ang BCNI Homebuyer Assistance Program (Downpayment Assistance) ng tulong na katumbas ng 10% ng presyo ng pagbili, ayon sa itinakda ng programa. Maaaring isama ang programa sa May be combined with referrals to other assistance such as the FHLBNY Homebuyer Dream Program (HDP), SONYMA mortgages, and the NYSAR Housing Opportunities Foundation grant during pre-purchase counseling. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Better Community Neighborhoods, Inc. (BCNI) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang BCNI Homebuyer Assistance Program (Downpayment Assistance) pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may If the buyer moves, sells the property, or fails to occupy the property as their primary residence during the five-year period of affordability, a pro-rated portion of the grant must be repaid with no interest. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang BCNI Homebuyer Assistance Program (Downpayment Assistance) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng BCNI (HUD-certified housing counseling agency) pre-purchase counseling, or pre-purchase counseling completed at another HUD-Certified Housing Counseling Agency with verification. Must be a first-time homebuyer with household income at or below 80% AMI (HUD income limits). Property must be in the City of Schenectady or Montgomery County, in standard condition, and pass a Certificate of Occupancy inspection, visual lead assessment, and home and asbestos inspection. Buyer must complete pre-purchase counseling through BCNI or another HUD-certified agency. The City of Schenectady also references a separate 'Second Mortgage Program' but that program is not fully detailed on a current official City page; BCNI's program is the actively administered, fully-documented City of Schenectady DPA.

Nililimitahan ng BCNI Homebuyer Assistance Program (Downpayment Assistance) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income must be at or below 80% of Area Median Income (HUD income limits apply). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Magagamit ang BCNI Homebuyer Assistance Program (Downpayment Assistance) para sa Single Family at 2-4 Unit.

Pinaglilingkuran ng BCNI Homebuyer Assistance Program (Downpayment Assistance) ang mga bibili ng bahay sa Schenectady, New York.

Dumadaan sa Better Community Neighborhoods, Inc. (BCNI) ang mga aplikasyon para sa BCNI Homebuyer Assistance Program (Downpayment Assistance), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.