CHI First-Time Homebuyer Grant Program (SMART MOVE NY)

CHI First-Time Homebuyer Grant Program (SMART MOVE NY)是面向Yonkers，New York购房者的可免除贷款，由Community Housing Innovations, Inc. (CHI)管理。 Community Housing Innovations, Inc. (CHI), a HUD-certified nonprofit serving Westchester County (including the City of Yonkers), administers a First-Time Homebuyer Grant Program funded through the NYS Affordable Housing Corporation and the NYS HOME Program. Income-qualified first-time buyers receive up to $60,000 (tiered by AMI) toward down payment, closing costs, and rehabilitation. The assistance is a forgivable (silent) second-mortgage lien forgiven 20% per year over 5 years. The companion SMART MOVE NY low-interest DPA loan provides up to 20% of the purchase price. Buyers must contribute at least 3% of their own funds, attend CHI's orientation, complete HUD-approved homebuyer education, occupy the home as their principal residence, and finance through a CHI participating lender. Up to $60,000 in grant assistance. Forgivable silent second lien (20%/year, fully forgiven after 5 years). Funds usable for down payment, closing costs, and rehabilitation. SMART MOVE NY low-interest loan up to 20% of purchase price. Free homebuyer orientation, HUD education, and counseling. 资金来自U.S. HUD HOME Investment Partnerships Program (NYS HOME Program) and NYS Affordable Housing Corporation (AHC) Home Ownership and Revitalization Program / SONYMA。

CHI First-Time Homebuyer Grant Program (SMART MOVE NY)提供$32,500至$60,000的援助。 援助档次：Grant amount tiered by household income vs. AMI: $60,000 (up to 60% AMI), $50,000 (up to 80% AMI), $40,000 (up to 90% AMI), $32,500 (up to 110% AMI)。 购房者自付部分：Minimum 3% of the purchase price from the applicant's own funds (documented savings, 401K, or gifts); not from other grant programs。 该项目可与Other DPA sources noted on application (e.g., FHLBNY Homebuyer Dream Program grant, LIHP, CDC); applicant must disclose other grant assistance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Community Housing Innovations, Inc. (CHI)决定。

CHI First-Time Homebuyer Grant Program (SMART MOVE NY)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：Sale, transfer, refinance, or failure to occupy as principal residence before the 5-year silent second lien is fully forgiven; lien forgiven at 20% per year。 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 (SMART MOVE NY)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：Applicant, co-applicants, and non-borrowing spouses must all be first-time homebuyers (no ownership of a home in the last 3 years)。 须参加购房者教育课程，由Community Housing Innovations, Inc. (HUD-certified counseling agency) - free Homebuyer Grant Orientation plus HUD-approved homebuyer education course提供。 居住要求：Grant recipient must occupy the purchased home as principal residence for the duration of the grant; monitored annually。 Program serves Westchester County broadly (includes City of Yonkers); CHI's page does not publish a Yonkers-city-specific carve-out or a maximum purchase price, so max_purchase_price is omitted. Applicant may NOT already be in contract. City of Yonkers' own HOME Program is a developer/nonprofit block grant (not a direct individual-homebuyer DPA), so the Westchester/CHI program was documented per the fallback instruction.

CHI First-Time Homebuyer Grant Program (SMART MOVE NY)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。 Westchester County 2025-2026 maximum gross household income by family size and AMI tier. 4-person limits: $102,000 (60% AMI), $136,000 (80% AMI), $152,320 (90% AMI), $186,320 (110% AMI). Limits scale by household size 1-6. 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6。 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 (SMART MOVE NY)可用于Single Family、Condo和Co-op。 新建房屋不符合条件。

CHI First-Time Homebuyer Grant Program (SMART MOVE NY)服务于在Yonkers，New York购房的购房者。

CHI First-Time Homebuyer Grant Program (SMART MOVE NY)的申请通过Community Housing Innovations, Inc. (CHI)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。