Onondaga County Community Development Home Ownership Program

Ang Onondaga County Community Development Home Ownership Program ay isang silent second mortgage para sa mga bibili ng bahay sa Statewide, New York, na pinangangasiwaan ng Onondaga County Community Development Division. Onondaga County Community Development purchases, rehabilitates, and sells single-family homes (often formerly vacant) at a subsidized price to income-eligible first-time homebuyers. The buyer subsidy is generally secured by a second mortgage due only if the property is sold within ten years (otherwise forgiven). Buyers must be first-time homebuyers, meet income limits (2026 NYS AHC 112% of Low-Income), qualify for a mortgage, and complete homebuyer counseling. Eligible buyers are selected by lottery from a mailing list as homes become available. Subsidized purchase price on a County-rehabilitated home. Subsidy structured as a 0% second mortgage forgiven after 10 years of ownership. Ang pondo ay mula sa Onondaga County and New York State funds, including NYS Affordable Housing Corporation (AHC).

Pinapatawad ang Onondaga County Community Development Home Ownership Program pagkalipas ng 10 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Subsidy second mortgage is due only if the property is sold within ten (10) years; otherwise forgiven. 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 Onondaga County Community Development Home Ownership 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 Home HeadQuarters, Inc. homebuyer education. Requirement sa paninirahan: Home must be a County Community Development homeownership property within Onondaga County. LOAN TERM: buyer subsidy secured by a second mortgage, 0% interest, due ONLY if the property is sold within 10 years (otherwise forgiven); max subsidy varies by income/housing expenses/subsidy source. MODEL: County acquires/rehabs single-family homes and sells at a subsidized price (typically $180,000-$240,000 before subsidy). Eligibility: first-time buyer, mortgage-qualified, income below 2026 NYS AHC 112% Low-Income limits, required homebuyer counseling (Home HeadQuarters); selection by lottery. ACTIVE/FUNDED: county Home Ownership page modified 2026-05-20 with 2026 income limits. Distinct from City of Syracuse / Home HeadQuarters programs (county-wide, excludes city).

Nililimitahan ng Onondaga County Community Development Home Ownership Program ang kita ng sambahayan sa $95,700. 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.

Ganito nililimitahan ng Onondaga County Community Development Home Ownership Program ang presyo ng pagbili: County-acquired/rehabbed homes sold at a subsidized price; typically $180,000-$240,000 before subsidy. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family. Hindi kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng Onondaga County Community Development Home Ownership Program ang mga bibili ng bahay sa Statewide, New York. Mga target na kapitbahayan: Onondaga County (excluding City of Syracuse programs); CDBG-eligible areas.

Dumadaan sa Onondaga County Community Development Division ang mga aplikasyon para sa Onondaga County Community Development Home Ownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Buyers join a mailing list; eligible buyers selected by lottery for available County-rehabilitated homes. 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.