ADK Gateway Homeownership Program

ADK Gateway Homeownership Program是面向Glens Falls，New York购房者的补助金，由City of Glens Falls Office of Community Development管理。 The ADK Gateway Homeownership Program, administered by the City of Glens Falls Office of Community Development with NYS HCR HOME Program and HUD CDBG funding, provides grant funds to help income-eligible first-time homebuyers cover down payment and closing costs to purchase a home in the City of Glens Falls or anywhere in Warren County. Funding is based on each buyer's financial need. Grant (no monthly payment) for down payment and closing costs, forgiven over up to 10 years. Paired with a conventional mortgage. HUD-certified credit counseling provided. 资金来自NYS Division of Homes and Community Renewal (HOME Program / Housing Trust Fund) and HUD CDBG (Glens Falls is a CDBG entitlement community)。

ADK Gateway Homeownership Program属于补助金，因此无需偿还。 触发还款的情形：Buyer must remain in the home as primary residence for up to 10 years after purchase, or a portion of the grant must be paid back to the City。 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。

ADK Gateway Homeownership Program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。 关于信用，该项目说明：No published minimum credit score; HUD-certified credit counseling required and a third-party credit report is pulled。 须参加购房者教育课程，由HUD-certified credit counseling required (provided/arranged through the City's program)提供。 公民身份或移民身份：U.S. Citizens and Resident Aliens (lawful permanent residents) only。 Maximum grant amount not published (need-based). Must remain primary residence up to 10 years or partial recapture applies. Minimum 1% cash down payment from buyer. U.S. Citizen/Resident Alien only. Confirmed currently active via 2025 application packet on the City site.

ADK Gateway Homeownership Program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。 80% of Area Median Income for the Glens Falls Metro Area, effective June 1, 2025. By household size: 1=$56,000; 2=$64,000; 3=$72,000; 4=$80,000; 5=$86,400; 6=$92,800; 7=$99,200; 8=$105,600. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

ADK Gateway Homeownership Program将房价上限设为$231,000。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。

ADK Gateway Homeownership Program服务于在Glens Falls，New York购房的购房者。

ADK Gateway Homeownership Program的申请通过City of Glens Falls Office of Community Development办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Application submitted by mail to the Community Development Office; eligibility determined before purchase contract; assistance amount based on financial need预留。 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。