CHI First-Time Homebuyer Grant Program (SMART MOVE NY)

Ang CHI First-Time Homebuyer Grant Program (SMART MOVE NY) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Yonkers, New York, na pinangangasiwaan ng Community Housing Innovations, Inc. (CHI). Community Housing Innovations, Inc. (CHI), a HUD-certified nonprofit serving Westchester County (including the City of Yonkers), administers a First-Time Homebuyer Grant Program funded through the NYS Affordable Housing Corporation and the NYS HOME Program. Income-qualified first-time buyers receive up to $60,000 (tiered by AMI) toward down payment, closing costs, and rehabilitation. The assistance is a forgivable (silent) second-mortgage lien forgiven 20% per year over 5 years. The companion SMART MOVE NY low-interest DPA loan provides up to 20% of the purchase price. Buyers must contribute at least 3% of their own funds, attend CHI's orientation, complete HUD-approved homebuyer education, occupy the home as their principal residence, and finance through a CHI participating lender. Up to $60,000 in grant assistance. Forgivable silent second lien (20%/year, fully forgiven after 5 years). Funds usable for down payment, closing costs, and rehabilitation. SMART MOVE NY low-interest loan up to 20% of purchase price. Free homebuyer orientation, HUD education, and counseling. Ang pondo ay mula sa U.S. HUD HOME Investment Partnerships Program (NYS HOME Program) and NYS Affordable Housing Corporation (AHC) Home Ownership and Revitalization Program / SONYMA.

Nag-aalok ang CHI First-Time Homebuyer Grant Program (SMART MOVE NY) ng tulong mula $32,500 hanggang $60,000. Mga award tier: Grant amount tiered by household income vs. AMI: $60,000 (up to 60% AMI), $50,000 (up to 80% AMI), $40,000 (up to 90% AMI), $32,500 (up to 110% AMI). Ambag ng bibili ng bahay: Minimum 3% of the purchase price from the applicant's own funds (documented savings, 401K, or gifts); not from other grant programs. Maaaring isama ang programa sa Other DPA sources noted on application (e.g., FHLBNY Homebuyer Dream Program grant, LIHP, CDC); applicant must disclose other grant assistance. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Community Housing Innovations, Inc. (CHI) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang CHI First-Time Homebuyer Grant Program (SMART MOVE NY) pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale, transfer, refinance, or failure to occupy as principal residence before the 5-year silent second lien is fully forgiven; lien forgiven at 20% per year. Nakatala ang tulong bilang lien sa posisyong second. 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 CHI First-Time Homebuyer Grant Program (SMART MOVE NY) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": Applicant, co-applicants, and non-borrowing spouses must all be first-time homebuyers (no ownership of a home in the last 3 years). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Community Housing Innovations, Inc. (HUD-certified counseling agency) - free Homebuyer Grant Orientation plus HUD-approved homebuyer education course. Requirement sa paninirahan: Grant recipient must occupy the purchased home as principal residence for the duration of the grant; monitored annually. Program serves Westchester County broadly (includes City of Yonkers); CHI's page does not publish a Yonkers-city-specific carve-out or a maximum purchase price, so max_purchase_price is omitted. Applicant may NOT already be in contract. City of Yonkers' own HOME Program is a developer/nonprofit block grant (not a direct individual-homebuyer DPA), so the Westchester/CHI program was documented per the fallback instruction.

Nililimitahan ng CHI First-Time Homebuyer Grant Program (SMART MOVE NY) ang kita ng sambahayan sa 110% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Westchester County 2025-2026 maximum gross household income by family size and AMI tier. 4-person limits: $102,000 (60% AMI), $136,000 (80% AMI), $152,320 (90% AMI), $186,320 (110% AMI). Limits scale by household size 1-6. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 6. 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 CHI First-Time Homebuyer Grant Program (SMART MOVE NY) para sa Single Family, Condo, at Co-op. Hindi kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng CHI First-Time Homebuyer Grant Program (SMART MOVE NY) ang mga bibili ng bahay sa Yonkers, New York.

Dumadaan sa Community Housing Innovations, Inc. (CHI) ang mga aplikasyon para sa CHI First-Time Homebuyer Grant Program (SMART MOVE NY), 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.