City of Elmira First-Time Homebuyer Program

City of Elmira First-Time Homebuyer Program是面向Elmira，New York购房者的可免除贷款，由Catholic Charities of Chemung/Schuyler (on behalf of City of Elmira Dept. of Community Development)管理。 The City of Elmira contracts with Catholic Charities of Chemung/Schuyler to provide income-eligible, low-to-moderate-income first-time homebuyers a $20,000 grant toward down payment and closing costs to purchase a home in the City of Elmira. The assistance is forgiven after ten years of continued owner-occupancy. Buyers must contribute a minimum $1,000 down payment and complete the First Time Home Buyer Workshop. As of 7/1/2024 the program reports 488 successful first-time homebuyers. $20,000 forgivable down payment and closing cost grant. Fully forgiven after 10 years of owner-occupancy. 资金来自Federal HOME/CDBG funds administered by the City of Elmira Department of Community Development。

City of Elmira First-Time Homebuyer Program提供最高$20,000的援助。 购房者自付部分：Buyer must provide a minimum down payment of $1,000。 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Catholic Charities of Chemung/Schuyler (on behalf of City of Elmira Dept. of Community Development)决定。

City of Elmira First-Time Homebuyer 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：Sale, transfer, or cessation of owner-occupancy before the end of the 10-year forgiveness period。 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。

City of Elmira First-Time Homebuyer Program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Catholic Charities of Chemung/Schuyler First Time Home Buyer Workshops提供。 居住要求：Home must be purchased within the City of Elmira。 LOAN TERM: $20,000 DPA/closing-cost forgivable second-mortgage grant, 0% interest, forgiven after 10 years of owner-occupancy; due on sale/transfer/loss of owner-occupancy before 10 years. Min buyer down payment $1,000. First-time buyer + income-eligible. Catholic Charities homebuyer workshop required. DPA only for purchases within the City of Elmira. ACTIVE: Catholic Charities 'Buying a Home' page (2026 copyright; '488 successful first-time homebuyers as of 7/1/24').

City of Elmira First-Time Homebuyer Program的收入限制如下：Low- to moderate-income households per HUD limits (specific limits not published on administering-agency page)。 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。

City of Elmira First-Time Homebuyer Program可用于Single Family。

City of Elmira First-Time Homebuyer Program服务于在Elmira，New York购房的购房者。 目标社区：City of Elmira only。

City of Elmira First-Time Homebuyer Program的申请通过Catholic Charities of Chemung/Schuyler (on behalf of City of Elmira Dept. of Community Development)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。