First Time Home Buyer Grant Program

First Time Home Buyer Grant Program是面向Hamburg，New York购房者的补助金。 The Town of Hamburg First Time Home Buyer Grant Program is a CDBG/HOME-funded conditional grant of up to $20,000 to first-time homebuyers purchasing an existing single-family home within the Town of Hamburg (including the Villages of Blasdell and Hamburg and hamlets such as Lakeview and Woodlawn). The program is administered by the Town of Hamburg Department of Community Development and partners with Belmont Housing Resources for WNY for required homebuyer/budget counseling. Income eligibility follows HUD PY 2025 80% AMI limits for the Buffalo-Cheektowaga-Niagara Falls MSA. The grant is forgiven over a 5-year owner-occupancy / affordability period; if the buyer sells, transfers, refinances with cash-out, or no longer occupies the home during the 5-year period, the grant must be repaid in full. Conditional grant of up to $20,000 toward the purchase of an existing single-family home within the Town of Hamburg (including the Villages of Blasdell and Hamburg, and hamlets such as Lakeview and Woodlawn). Grant is structured as a conditional/forgivable second mortgage. if the buyer remains in compliance (owner-occupies as primary residence) for the 5-year affordability period, the grant is fully forgiven. Maximum eligible purchase price $298,950 (Buffalo-area HUD HOME 95% rule). 资金来自CDBG、HOME、Federal和Local Government。

First Time Home Buyer Grant Program提供最高$20,000的援助。 购房者自付部分：Per first-mortgage program; no specific Town minimum published。 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管理该项目的机构决定。

First Time Home Buyer Grant Program属于补助金，因此无需偿还。 触发还款的情形：Conditional grant secured by a forgivable second mortgage和grant is forgiven after 5 years of continuous owner-occupancy. Sale, transfer, refinance with cash-out, or loss of owner-occupancy during the 5-year affordability period triggers full repayment of the grant to the Town of Hamburg. 该援助以2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。

First Time Home Buyer Grant Program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：Must not have owned any residential real estate in the previous 3 years (HUD HOME first-time homebuyer definition). 关于信用，该项目说明：No published minimum FICO; underwriting follows the buyer's first-mortgage product。 须参加购房者教育课程，由Belmont Housing Resources for WNY, Inc. - HUD-approved housing counseling agency; required Homebuyer/Budget Counseling course; Buffalo Urban League also accepted.提供。 居住要求：Property must be located within the Town of Hamburg (Erie County), NY - including the Villages of Blasdell and Hamburg and hamlets such as Lakeview and Woodlawn - and be the buyer's primary residence. Open to all income-eligible buyers regardless of current residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by underlying first-mortgage product and HUD HOME rules。 Property must be an existing single-family home located within the Town of Hamburg (including the Villages of Blasdell and Hamburg, and hamlets including Lakeview and Woodlawn). Buyer must be a first-time homebuyer per HUD definition (no ownership of residential real estate in previous 3 years). Household income must satisfy HUD PY 2025 income limits, ranging from approximately $56,600 (1-person) up to $106,700 (8-person) for the Buffalo-Cheektowaga-Niagara Falls MSA at 80% AMI. Maximum eligible purchase price $298,950. Buyer must complete a required Homebuyer / Budget Counseling course (Belmont Housing Resources for WNY or Buffalo Urban League) and submit documentation. Eligible homes are limited to single-family only (no condos or 2-families). Buyer must occupy the home as primary residence for the 5-year affordability period; grant is forgiven at the end of year 5. Sale, transfer, refinance with cash-out, or loss of owner-occupancy during the 5-year period triggers full repayment.

First Time Home Buyer Grant Program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。 Household income must be at or below 80% HUD PY 2025 Area Median Income for the Buffalo-Cheektowaga-Niagara Falls MSA, adjusted by household size. 2025 80% AMI limits range approximately: 1-person $56,600; 2-person $64,650; 3-person $72,750; 4-person $80,800; 5-person $87,300; 6-person $93,750; 7-person $100,200; 8-person $106,700. 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8。 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。

First Time Home Buyer Grant Program将房价上限设为$298,950。 符合条件的房屋类型包括Single-family detached。 新建房屋不符合条件。 预制房屋不符合条件。

First Time Home Buyer Grant Program服务于在Hamburg，New York购房的购房者。

First Time Home Buyer Grant Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-come, first-served via the Town of Hamburg Department of Community Development; subject to annual CDBG/HOME allocation. Applicant must complete intake, Homebuyer/Budget Counseling, and submit application before going under contract.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。