BCNI Homebuyer Assistance Program (Montgomery County)

BCNI Homebuyer Assistance Program (Montgomery County)是面向Amsterdam，New York购房者的可免除贷款，由Better Community Neighborhoods, Inc. (BCNI)管理。 BCNI's Homebuyer Assistance Program provides down-payment and closing cost assistance to first-time homebuyers purchasing in Montgomery County (and the City of Schenectady) for up to 10% of the purchase price, with an average grant of approximately $9,000 depending on need and home location. Structured as a 0% forgivable grant prorated over a 5-year affordability period. Requires pre-purchase counseling. Down payment and closing cost assistance up to 10% of purchase price (average ~$9,000). Forgiven over 5 years if owner-occupancy maintained. 资金来自NYS Homes and Community Renewal (HCR) HOME funds administered by BCNI as Local Program Administrator; BCNI serves Montgomery County and the City of Schenectady。

BCNI Homebuyer Assistance Program (Montgomery County)按项目规定，提供相当于房价10%的援助。 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 (Montgomery County)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-rated repayment (no interest) if the buyer sells, moves, or fails to occupy as primary residence during the 5-year affordability period。 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 (Montgomery County)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Pre-purchase counseling from BCNI, or referral with verification from another HUD-certified Housing Counseling Agency提供。 LOAN TERM: 0% forgivable grant, up to 10% of purchase price (average ~$9,000), 5-year affordability period, pro-rated repayment with no interest if buyer sells/moves/ceases owner-occupancy within 5 years. ELIGIBILITY: first-time buyer; owner-occupant; HUD 80% AMI; mandatory pre-purchase counseling from BCNI or another HUD-certified agency. PROPERTY: standard condition; pass C/O inspection; visual lead assessment; home + asbestos inspection; located in Montgomery County. This entry captures the Montgomery County coverage of BCNI's program (City of Schenectady coverage already in catalog).

BCNI Homebuyer Assistance Program (Montgomery County)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。 HUD 80% area median 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 (Montgomery County)可用于Single Family和2-4 Unit。

BCNI Homebuyer Assistance Program (Montgomery County)服务于在Amsterdam，New York购房的购房者。

BCNI Homebuyer Assistance Program (Montgomery County)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。