Brookhaven HOME Down Payment Assistance Program

Brookhaven HOME Down Payment Assistance Program是面向Brookhaven，New York购房者的可免除贷款。 The Town of Brookhaven HOME Down Payment Assistance Program provides eligible first-time homebuyers with up to $50,000 in zero-interest deferred-payment down payment and closing-cost assistance toward the purchase of a new or existing single-family home within the Town of Brookhaven (Suffolk County). Administered by the Long Island Housing Partnership (LIHP) under contract with the Town of Brookhaven, the program is funded through HUD HOME federal funds passed through the Town. Grant recipients must occupy the home as principal residence for a minimum of 10 years (15 years for higher tiers); during the affordability period, the loan is forgiven so long as compliance is maintained. Annual monitoring affidavits are mailed to recipients. Funds are first-come, first-served until exhausted. Maximum purchase price $551,000 reflects the Long Island market. Up to $50,000 in zero-interest deferred-payment HOME down payment / closing-cost assistance toward the purchase of an eligible new or existing single-family home in the Town of Brookhaven. Funds are essentially a deferred-payment, non-interest-bearing forgivable loan that is forgiven if the buyer remains in the home as principal residence for the 10-15 year affordability period. Maximum eligible purchase price $551,000 (reflective of Suffolk County / Long Island market). 资金来自HOME、Federal和Local Government。

Brookhaven HOME Down Payment Assistance Program在10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：Zero-interest deferred-payment forgivable loan和no payments due unless the home is sold, transferred, refinanced with cash-out, or no longer occupied as primary residence during the 10-15-year affordability period - in which case the unforgiven balance is repaid in full to the Town of Brookhaven. After the affordability period, no further obligation. 该援助以2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。

Brookhaven HOME Down Payment Assistance Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Must not have owned any residential real estate in the previous 3 years (HUD HOME first-time homebuyer definition). 关于信用，该项目说明：Minimum 580 FICO; buyer must qualify for a first mortgage with adequate financial resources。 须参加购房者教育课程，由Long Island Housing Partnership (LIHP) - HUD-approved housing counseling agency; HUD-approved homebuyer education / pre-purchase counseling required prior to closing.提供。 居住要求：Property must be located within the Town of Brookhaven (Suffolk County), NY, and be the buyer's primary residence for the 10-15-year affordability period; cannot be used as rental property. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by underlying first-mortgage product and HUD HOME rules。 Property must be an eligible new or existing single-family home located within the Town of Brookhaven (Suffolk County). Buyer must be a first-time homebuyer (no ownership of residential real estate in previous 3 years). Maximum eligible purchase price $551,000 (HUD HOME 95% rule for Suffolk). Household income limits: 1-person approximately $92,350 up to 8-person $174,150 (80% HUD AMI for Nassau-Suffolk MSA, varies by household size). Minimum 580 FICO; buyer must qualify for a first mortgage with adequate financial resources. Buyer must occupy the home as primary residence for 10 years (HUD HOME affordability period; some grant tiers extend to 15 years). Annual monitoring affidavit mailed to grant recipient; failure to comply triggers full repayment. Buyer cannot use property as rental or for any non-owner-occupied purpose. Funds are available first-come, first-served until exhausted. Additional layered funding from New York State Affordable Housing Corporation (AHC) may be available for qualified buyers.

Brookhaven HOME Down Payment Assistance 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。 Household income must be at or below 80% HUD Area Median Income for the Nassau-Suffolk HUD Metro FMR Area. 2025 80% AMI limits range approximately: 1-person $92,350; 2-person $105,550; 3-person $118,750; 4-person $131,900; 5-person $142,500; 6-person $153,050; 7-person $163,600; 8-person $174,150. 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。

Brookhaven HOME Down Payment Assistance Program将房价上限设为$551,000。 符合条件的房屋类型包括Single-family detached、Condominium和Townhouse。 新建房屋符合条件。 预制房屋不符合条件。

Brookhaven HOME Down Payment Assistance Program服务于在Brookhaven，New York购房的购房者。

Brookhaven HOME Down Payment Assistance Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-come, first-served through the Long Island Housing Partnership (LIHP) until funding is exhausted. Applicants apply via LIHP's online portal at lihp.tfaforms.net/5103385 after completing intake and homebuyer education.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。