FHLBNY Homebuyer Dream Program (HDP) Suite

FHLBNY Homebuyer Dream Program (HDP) Suite是面向New York购房者的补助金，由Federal Home Loan Bank of New York (FHLBNY)管理。 The FHLBNY Homebuyer Dream Program (HDP) Suite provides grant funds (through approved participating FHLBNY member lenders) toward down payment, closing costs, and homebuyer counseling for first-time homebuyers. The suite has three tiers: HDP (income at or below 80% AMI), HDP Plus (above 80% up to 120% AMI in NY/NJ), and HDP Wealth Builder (up to 120% AMI in NY/NJ for buyers in majority-minority census tracts or first-generation homebuyers). Grant of up to $30,000 per household toward down payment, closing costs, and homebuyer counseling. HDP Wealth Builder may be layered with HDP or HDP Plus for up to $60,000 per household.

FHLBNY Homebuyer Dream Program (HDP) Suite提供最高$30,000的援助。 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Federal Home Loan Bank of New York (FHLBNY)决定。

FHLBNY Homebuyer Dream Program (HDP) Suite属于补助金，因此无需偿还。 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。

FHLBNY Homebuyer Dream Program (HDP) Suite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。 Must be first-time homebuyer. Funds disbursed only through approved participating FHLBNY member institutions; the 2026 round was allocated $31,670,000 on 2/9/2026 with 110 members participating, and rounds close 11/27/2026 or earlier if funds exhausted. HDP Plus and HDP Wealth Builder may only be administered within the FHLBNY District (NY, NJ, PR, USVI). Combined FHLBNY grant amounts limited to $60,000 per household.

FHLBNY Homebuyer Dream Program (HDP) Suite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。 HDP: at or below 80% AMI. HDP Plus (NY/NJ): over 80% up to 120% AMI. HDP Wealth Builder (NY/NJ): at or below 120% AMI plus majority-minority census tract or first-generation criteria. 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。

FHLBNY Homebuyer Dream Program (HDP) Suite在其服务群体中提到了第一代购房者。 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。

FHLBNY Homebuyer Dream Program (HDP) Suite服务于在New York任何地方购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

FHLBNY Homebuyer Dream Program (HDP) Suite的申请通过Federal Home Loan Bank of New York (FHLBNY)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。