Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program

Ang Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa East Hampton, New York, na pinangangasiwaan ng Town of East Hampton Office of Housing and Community Development. Funded by the Town of East Hampton Community Housing Fund (a 0.5% real estate transfer tax approved by voters in 2022), the program offers eligible first-time homebuyers zero-interest, deferred-payment loans of up to $30,000 toward down payment and closing costs. The 2026 budget is $600,000, supporting up to 20 loans of $30,000 each. Loans are secured by a subordinate lien, require no monthly payments, and are repayable in full upon sale of the property. Zero-interest deferred loan up to $30,000 for down payment and closing costs; no monthly payments; repayable on sale. Ang pondo ay mula sa Town of East Hampton Community Housing Fund (0.5% real estate transfer tax).

Nag-aalok ang Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program ng tulong na hanggang $30,000. Maaaring isama ang programa sa iba pang tulong, ayon sa mga patakaran ng bawat isa. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Town of East Hampton Office of Housing and Community Development ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Repaid in full upon sale of the property. Nakatala ang tulong bilang lien sa posisyong subordinate. 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 Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program 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 = not owned a primary residence (and spouse not owned) in the 3-year period prior to purchase, and does not own a vacation/investment home. Requirement sa paninirahan: Current East Hampton Town resident, resident within last 5 years, or employee of an East Hampton Town-based business. Citizenship o katayuan sa imigrasyon: U.S. citizen or lawful permanent resident. Applicant must be at least 18 and a U.S. citizen or lawful permanent resident; live or work in East Hampton Town (current resident, resident within last 5 years, or employee of an East Hampton-based business). Loan may not exceed actual down payment and closing costs. May be combined with other FTHB assistance.

Ganito itinatakda ng Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program ang income limit nito: Max combined household income up to $197,880 for a 1- or 2-person household, or up to $230,860 for a 3+ person household (tied to SONYMA income limits in effect on contract date). 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.

Nililimitahan ng Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program ang presyo ng pagbili sa $1.9M. Kabilang sa mga kwalipikadong uri ng ari-arian ang single_family, two_family, townhome, condo, at modular_home. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program ang mga bibili ng bahay sa East Hampton, New York.

Dumadaan sa Town of East Hampton Office of Housing and Community Development ang mga aplikasyon para sa Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Purchaser Certificate valid for 1 year (one extension at Town discretion); first-come, first-served. 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.