Closing Cost Assistance

Ang Closing Cost Assistance ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Syracuse, New York. Home HeadQuarters' Closing Cost Assistance Program provides up to $3,000 in closing cost help for income-qualified first-time buyers purchasing a 1-2 family primary residence in the City of Syracuse and surrounding Onondaga County areas served by Home HeadQuarters. Funded by HUD HOME, CDBG, and NYS HCR, the assistance is structured as a 0% interest deferred forgivable second-lien loan with pro-rata forgiveness over a 5-year affordability period. Buyers must complete Home HeadQuarters' HUD-approved homebuyer education and one-on-one counseling. Up to $3,000 in closing cost assistance for income-qualified first-time buyers purchasing a 1-2 family primary residence in the City of Syracuse and surrounding Onondaga County areas served by Home HeadQuarters. Funded with HUD HOME, CDBG, and NYS HCR funds. provided as a 0% interest deferred forgivable second-lien loan over a 5-year affordability period. Ang pondo ay mula sa HOME, CDBG, NYS HCR, Federal, at State.

Pinapatawad ang Closing Cost Assistance pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Pro-rata recapture of unforgiven balance if borrower sells, transfers, refinances with cash-out, rents, or vacates within 5 years. Nakatala ang tulong bilang lien sa posisyong 2. 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 Closing Cost Assistance 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": First-time buyer required; standard HUD exceptions for displaced homemakers and single parents apply. Tungkol sa credit, sinasabi ng programa: No fixed minimum published; per first-mortgage product (typically 620+ conventional, 580+ FHA). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Home HeadQuarters, Inc. (HUD-approved counseling agency); pre-purchase education and one-on-one counseling required. Requirement sa paninirahan: Property must be located within Home HeadQuarters' service area (City of Syracuse and surrounding Onondaga County) and used as borrower's principal residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen per HUD HOME and first-mortgage rules. First-time buyer required (no homeownership in past 3 years). Property must be a 1-2 family home located within Home HeadQuarters' service area (City of Syracuse and surrounding Onondaga County) and used as principal residence. Maximum purchase price $170,000 per program guidelines. Income at or below 80% AMI for Syracuse MSA: 1-person ~$53,100 to 4-person ~$100,150 (HUD FY2025). Buyer must complete Home HeadQuarters' HUD-approved homebuyer education and one-on-one counseling. Property must pass HQS inspection and meet HUD HOME/lead-paint standards. 0% interest deferred forgivable second-lien loan with pro-rata forgiveness over 5 years.

Nililimitahan ng Closing Cost 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 at or below 80% HUD AMI for Syracuse MSA: 1-person ~$53,100 to 4-person ~$100,150 (HUD FY2025). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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.

Nililimitahan ng Closing Cost Assistance ang presyo ng pagbili sa $170,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached at 2-family owner-occupied. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Closing Cost Assistance ang mga bibili ng bahay sa Syracuse, New York.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Closing Cost Assistance, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Apply via Home HeadQuarters after pre-purchase counseling completed and purchase contract executed; first-come, first-served subject to fund availability. 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.