BCNI Homebuyer Assistance Program (Downpayment Assistance)

BCNI Homebuyer Assistance Program (Downpayment Assistance)是面向Schenectady，New York购房者的可免除贷款，由Better Community Neighborhoods, Inc. (BCNI)管理。 BCNI's Homebuyer Assistance Program helps low-income, first-time homebuyers in the City of Schenectady (and Montgomery County) purchase their first home by providing downpayment and closing cost assistance for up to 10% of the purchase price, with an average grant of about $9,000 depending on the buyer's needs and the home's location. BCNI serves as the Local Program Administrator on behalf of the City of Schenectady and NYS Homes and Community Renewal. Assistance is structured as a forgivable, interest-free grant over a five-year period of affordability; if the buyer sells, moves, or stops occupying the home during that period, a pro-rated portion must be repaid with no interest. Up to 10% of purchase price toward downpayment and closing costs. Average grant ~$9,000. Interest-free (0%). Forgivable over a 5-year affordability period. No repayment if owner-occupancy maintained for 5 years. HUD-certified pre-purchase counseling and referrals. 资金来自Federal and State funds awarded to BCNI on behalf of the City of Schenectady and NYS Homes and Community Renewal (HCR) (e.g., HOME/CDBG and state housing program funds)。

BCNI Homebuyer Assistance Program (Downpayment Assistance)按项目规定，提供相当于房价10%的援助。 该项目可与May be combined with referrals to other assistance such as the FHLBNY Homebuyer Dream Program (HDP), SONYMA mortgages, and the NYSAR Housing Opportunities Foundation grant during pre-purchase counseling.结合使用。 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Better Community Neighborhoods, Inc. (BCNI)决定。

BCNI Homebuyer Assistance Program (Downpayment Assistance)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：If the buyer moves, sells the property, or fails to occupy the property as their primary residence during the five-year period of affordability, a pro-rated portion of the grant must be repaid with no interest. 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。

BCNI Homebuyer Assistance Program (Downpayment Assistance)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BCNI (HUD-certified housing counseling agency) pre-purchase counseling, or pre-purchase counseling completed at another HUD-Certified Housing Counseling Agency with verification提供。 Must be a first-time homebuyer with household income at or below 80% AMI (HUD income limits). Property must be in the City of Schenectady or Montgomery County, in standard condition, and pass a Certificate of Occupancy inspection, visual lead assessment, and home and asbestos inspection. Buyer must complete pre-purchase counseling through BCNI or another HUD-certified agency. The City of Schenectady also references a separate 'Second Mortgage Program' but that program is not fully detailed on a current official City page; BCNI's program is the actively administered, fully-documented City of Schenectady DPA.

BCNI Homebuyer Assistance Program (Downpayment Assistance)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 must be at or below 80% of Area Median Income (HUD income limits apply). 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

BCNI Homebuyer Assistance Program (Downpayment Assistance)可用于Single Family和2-4 Unit。

BCNI Homebuyer Assistance Program (Downpayment Assistance)服务于在Schenectady，New York购房的购房者。

BCNI Homebuyer Assistance Program (Downpayment Assistance)的申请通过Better Community Neighborhoods, Inc. (BCNI)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。