City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)

City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)是面向New Rochelle，New York购房者的可免除贷款，由City of New Rochelle Department of Development, Office of Housing (operated by Westchester Residential Opportunities, Inc.)管理。 The City of New Rochelle DPAP provides eligible first-time, low- and moderate-income homebuyers a zero-interest deferred loan, forgiven after 5 years, of up to 19% (not to exceed $125,590) of the purchase price of a single-family home in New Rochelle, applied toward the down payment. Funded by HUD's HOME Program and the City's Affordable Housing Fund. Expanded to include New Rochelle workers and former residents in addition to current residents. Does not fund closing costs. Zero-interest deferred loan up to 19% of purchase price (max $125,590) toward down payment; forgiven after 5 years. 资金来自HUD HOME Program; City of New Rochelle Affordable Housing Fund。

City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)提供最高$125,590的援助。 购房者自付部分：At least 1% of purchase price from applicant's own funds. 该项目可与其他援助结合使用，但须遵守各项目的规定。 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City of New Rochelle Department of Development, Office of Housing (operated by Westchester Residential Opportunities, Inc.)决定。

City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)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, lease/rent, deed/convey, or loss of owner-occupancy within 5 years; recapture declines 20%/year; $5,000 default fee if occupancy ceases. 该援助以subordinate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 New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)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：First-time = no homeownership in prior 3 years; requirement waived for U.S. military veterans with a DD-214 verifying honorable service. 须参加购房者教育课程，由HUD-certified not-for-profit mortgage counseling agencies (one-on-one mortgage counseling required)提供。 居住要求：Current New Rochelle resident (12+ months), New Rochelle worker/business owner, or former resident (2+ years); home must be in New Rochelle. Applicant must contribute at least 1% of purchase price from own funds; minimum annual household income of $40,000. Underwriting ratios: front-end DTI 38%, back-end DTI 45%, LTV 80%. No short sales/foreclosures/bank-owned; no ARMs/interest-only/no-doc/80-20/100% financing; no non-occupying co-borrowers; cannot displace an existing tenant. Property must pass inspection and lead-based-paint visual inspection (pre-1978).

City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)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。 80% AMI (Westchester, June 1, 2026): 1=$88,100; 2=$100,700; 3=$113,300; 4=$125,850; 5=$135,950; 6=$146,000. Minimum income $40,000 all sizes. 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 New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)将房价上限设为$661,000。 符合条件的房屋类型包括single_family、condo和cooperative。 新建房屋符合条件。

City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)服务于在New Rochelle，New York购房的购房者。

City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)的申请通过City of New Rochelle Department of Development, Office of Housing (operated by Westchester Residential Opportunities, Inc.)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Purchaser Certificate; 90 days to executed contract (300 days for new construction); first-come, first-served waiting list.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。