Homebuyer Dream Program (HDP)

Homebuyer Dream Program (HDP)是面向Statewide县，New Jersey购房者的可免除贷款，由Federal Home Loan Bank of New York (via participating member lenders)管理。 A Homeownership Set-Aside grant from FHLBNY, delivered through member lenders, providing up to $30,000 toward down payment, closing costs, and counseling for first-time buyers <= 80% AMI. 2026 round opened Feb 9, 2026 ($31.67M) through Nov 27, 2026 or until exhausted. 5-year retention; counseling and $1,000 buyer contribution required. Up to $30,000 for down payment and closing costs. No repayment if 5-year retention met. Statewide in NJ. Layerable with HDP Wealth Builder. 资金来自FHLBNY Affordable Housing Program / Homeownership Set-Aside (2026 round $31,670,000)。

Homebuyer Dream Program (HDP)提供最高$30,000的援助。 购房者自付部分：Minimum $1,000 total buyer contribution。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Federal Home Loan Bank of New York (via participating member lenders)决定。

Homebuyer Dream Program (HDP)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Pro-rata recapture if sold, cash-out refinanced, or ceases to be owner-occupied within the 5-year retention period。 该援助以Subordinate (retention agreement)顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Homebuyer Dream Program (HDP)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Homebuyer counseling required, coordinated via the member lender提供。 Must use an FHLBNY participating member lender. 5-year retention (pro-rata recapture). Minimum $1,000 buyer contribution; counseling required.

Homebuyer Dream Program (HDP)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income <= 80% AMI (NY/NJ use Mortgage Revenue Bond limits; county-specific). 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Homebuyer Dream Program (HDP)可用于Single Family、Condo、Townhouse和1-4 Family。

Homebuyer Dream Program (HDP)服务于在Statewide县，New Jersey购房的购房者。

Homebuyer Dream Program (HDP)的申请通过Federal Home Loan Bank of New York (via participating member lenders)办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。