Monroe County First-Time Homebuyer Direct Subsidy Program

Ang Monroe County First-Time Homebuyer Direct Subsidy Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Monroe County, New York, na pinangangasiwaan ng Monroe County Department of Planning and Development, Community Development Division (with The Housing Council at PathStone). A HOME-funded direct subsidy administered by Monroe County's Community Development Division providing closing cost and down payment assistance to income-eligible first-time homebuyers purchasing in suburban Monroe County (excluding the City of Rochester). The subsidy is a conditional grant up to $10,000 secured by a Note and Mortgage with a Declaration of Restrictive Covenant, with HOME resale/recapture provisions and a 10- or 15-year affordability/owner-occupancy period. Up to $10,000 toward down payment and closing costs. 0% interest, no monthly payments. Reduces upfront cost of buying an eligible single-family home. Ang pondo ay mula sa Federal HOME funds via the Monroe County HOME Consortium.

Nag-aalok ang Monroe County First-Time Homebuyer Direct Subsidy Program ng tulong na hanggang $10,000. Mga award tier: 30%-70% AMI: 100% of down payment + closing costs plus 10% of sale price (max $10,000). 71%-80% AMI: 100% of DP+CC plus 5% of sale price (max $10,000). Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Monroe County Department of Planning and Development, Community Development Division (with The Housing Council at PathStone) ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Monroe County First-Time Homebuyer Direct Subsidy Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Sale, voluntary title transfer, rental, bankruptcy, foreclosure, or ceasing to occupy as principal residence during the Affordable Housing Period (10 or 15 years depending on HOME investment). 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 Monroe County First-Time Homebuyer Direct Subsidy Program 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 The Housing Council at PathStone; ABVI Goodwill of the Finger Lakes; Lifespan of Greater Rochester. Requirement sa paninirahan: Must occupy as principal residence (defined as residing at the property any consecutive nine months each year) during the 10- or 15-year Affordable Housing Period. Confirmed from Monroe County 2024 Annual Action Plan: conditional grant up to $10,000, AMI-tiered, HOME resale/recapture, 10/15-yr affordability secured by Note/Mortgage/Declaration. Lien position inferred as second from the Note-and-Mortgage structure.

Nililimitahan ng Monroe County First-Time Homebuyer Direct Subsidy Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Low- to moderate-income first-time homebuyers up to 80% of Area Median Income; subsidy tiered by AMI band (30-70% vs 71-80%). 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 Monroe County First-Time Homebuyer Direct Subsidy Program para sa Single Family.

Pinaglilingkuran ng Monroe County First-Time Homebuyer Direct Subsidy Program ang mga bibili ng bahay sa Monroe County, New York.

Dumadaan sa Monroe County Department of Planning and Development, Community Development Division (with The Housing Council at PathStone) ang mga aplikasyon para sa Monroe County First-Time Homebuyer Direct Subsidy Program, 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.