CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)

CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)是面向Westchester; Nassau; Suffolk; Dutchess县，New York购房者的延期第二贷款，由Community Housing Innovations, Inc. (CHI) (via NYS Affordable Housing Corporation)管理。 A NYS Affordable Housing Corporation first-time homebuyer grant administered by CHI covering down payment and/or closing costs plus rehabilitation expenses, available across Westchester, Nassau, Suffolk, and Dutchess counties. Grant is tiered by income (up to $60,000 at 60% AMI, scaling down to $32,500 at 110% AMI; Dutchess caps at $50,000). Requires a minimum 3% borrower contribution, mortgage from a CHI participating lender, free Grant Orientation, and HUD-approved education. Up to $60,000 forgivable down payment/closing/rehab grant. Income limits up to 110% AMI. Covers four counties. 资金来自New York State Affordable Housing Corporation (AHC) administered by CHI。

CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)提供$32,500至$60,000的援助。 援助档次：Tiered by income: up to $60,000 (60% AMI), $50,000 (80% AMI), $40,000 (90% AMI), $32,500 (110% AMI). Dutchess County max tier is $50,000 (80% AMI). 购房者自付部分：Minimum 3% of purchase price required from borrower (documented savings, 401K, or gifts)。 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Community Housing Innovations, Inc. (CHI) (via NYS Affordable Housing Corporation)决定。

CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)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：Sale, transfer, refinance, or failure to occupy as primary residence during the affordability term。 该援助以second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。

CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)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CHI Grant Orientation plus HUD-approved homebuyer education course提供。 Must use a CHI Participating Lender. Minimum 3% buyer contribution. Free Grant Orientation mandatory before applying. Income tiers and max grant differ by county. Distinct from CHI's Yonkers Smart Move SONYMA DPAL product and the catalog's Dutchess-County-specific CHI entry; review for overlap in Dutchess. Exact forgiveness term, credit/DTI minimums, and rehab split not fully published online.

CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)将家庭收入限制在地区收入中位数的110%，该数值因县和家庭人数而异。 Tiered gross household income limits up to 110% AMI by county and family size (2025-2026). Example (Westchester, 4-person): $186,320 at 110% AMI / $136,000 at 80% AMI. Nassau-Suffolk 4-person: $180,850 at 110% / $131,900 at 80%. Dutchess 4-person: $134,850 at 110% / $98,400 at 80%. 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。

CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)可用于Single Family、Condo和Co-op。

CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)服务于在Westchester; Nassau; Suffolk; Dutchess县，New York购房的购房者。

CHI First-Time Homebuyer Grant Program (NYS Affordable Housing Corporation)的申请通过Community Housing Innovations, Inc. (CHI) (via NYS Affordable Housing Corporation)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Free Grant Orientation required; apply via CHI; subject to AHC funding availability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。