Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers

Ang Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Southampton, New York, na pinangangasiwaan ng Town of Southampton Department of Housing and Community Development. The Town of Southampton Community Housing Fund (CHF) offers first-time homebuyers a no-interest, deferred-payment loan of up to 3% of a home's purchase price toward the down payment for a primary residence in the Town of Southampton. The loan is repaid when the home is sold, transferred, refinanced or rented; recipients must occupy the home as their primary residence and recertify annually. This program does not fund closing costs. No-interest deferred loan up to 3% of purchase price toward down payment. Ang pondo ay mula sa Town of Southampton Community Housing Fund (0.5% real estate transfer tax).

Nagbibigay ang Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers ng tulong na katumbas ng 3% ng presyo ng pagbili, ayon sa itinakda ng programa. Ambag ng bibili ng bahay: Applicant must have a minimum of 2% of projected purchase price in the bank at application; liquid assets cannot exceed the purchase price. 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 Southampton Department of Housing and Community Development ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Repaid when home is sold, transferred, refinanced or rented out. 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 Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers 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 (Town Code 140-40). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Community Development Corporation of Long Island (CDLI) - one-on-one mortgage counseling. Requirement sa paninirahan: Home must be located within the Town of Southampton. Mortgages must be fixed-rate from FNMA/FMAC lenders; no ARMs, interest-only, no-doc, 80/20, 100% financing, short sales, foreclosures, or bank-owned properties; no non-occupying co-borrowers. Underwriting ratios apply (housing DTI, total DTI, LTV).

Ganito itinatakda ng Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers ang income limit nito: Max gross annual household income: $184,680 for 1-2 persons; $215,460 for 3+ persons (100% of SONYMA non-target income limits for Suffolk County). 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 Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers ang presyo ng pagbili sa $1.7M. Kabilang sa mga kwalipikadong uri ng ari-arian ang single_family, two_family, condo, at townhome. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers ang mga bibili ng bahay sa Southampton, New York.

Dumadaan sa Town of Southampton Department of Housing and Community Development ang mga aplikasyon para sa Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Purchaser Certificate; 180 days to submit executed contract of sale, then 90 days to close; one-time extension at Town discretion; first-come, first-served waiting list. 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.