First Time Homebuyer Grant Program

First Time Homebuyer Grant Program是面向Multiple县，New York购房者的可免除贷款。 Community Housing Innovations (CHI) is a HUD-approved nonprofit housing counseling agency, founded in 1991, with offices in Westchester, Nassau, and Suffolk Counties. CHI awards approximately $1 million annually in down-payment-assistance and rehabilitation grants/forgivable loans to first-time homebuyers across its multi-county service area (Westchester, Rockland, Putnam, Nassau, Suffolk, and Hudson Valley). Grants typically range from $25,000-$35,000 (with smaller First Home Club savings-match grants up to $5,000 also available). Funds can be used toward down payment, closing costs, and (under the Hudson Valley Home Ownership and Revitalization track) acquisition + renovation. Buyers must complete CHI's free Grant Orientation, attend HUD-approved homebuyer education, and contribute at least 3% of the purchase price from their own funds. Loans are forgiven over a 10-year affordability period. Grants and forgivable loans of $25,000-$35,000 to qualified first-time homebuyers purchasing a one-family home, condominium, or cooperative for owner-occupancy in CHI's service area (Westchester, Rockland, Putnam, Nassau, Suffolk - and select Hudson Valley communities). Funds may be used for down payment, closing costs, and (under the Hudson Valley Home Ownership and Revitalization track) acquisition + renovation. Loans are forgiven over a 10-year affordability period if the buyer continues to occupy the property as primary residence. sales, transfers, or loss of owner-occupancy during the period trigger recapture. 资金来自HOME、State Housing Finance Agency、Federal和Private。

First Time Homebuyer Grant Program提供最高$60,000的援助。 购房者自付部分：Minimum 3% of purchase price from buyer's own funds (proof of funds required at application)。 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 Homebuyer Grant 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：Forgivable loan over 10-year affordability period和if recipient sells, transfers, refinances with cash-out, or ceases to occupy the home as primary residence during the 10-year period, the unforgiven balance is recaptured by CHI. 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 Homebuyer 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 (per HUD HOME first-time homebuyer definition); displaced homemakers and single parents may qualify. 关于信用，该项目说明：No published minimum FICO; underwriting follows the buyer's first-mortgage product through a CHI Participating Lender。 须参加购房者教育课程，由Community Housing Innovations (CHI) - HUD-approved housing counseling agency; eHomeAmerica online + in-person 8-hour homebuyer education course; mandatory CHI Grant Orientation prior to grant application.提供。 居住要求：Property must be located within CHI's service area (Westchester, Rockland, Putnam, Nassau, Suffolk, and select Hudson Valley communities) and be the buyer's primary residence for the 10-year affordability period. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME rules and CHI Participating Lender underwriting。 Buyer must be a first-time homebuyer (no ownership of residential real estate in previous 3 years), occupy the home as primary residence for the 10-year affordability period, and contribute at least 3% of the purchase price from their own funds. Household income limits are 80% HUD AMI for the property's MSA, ranging from approximately $65,604 (1-person, lower-AMI counties) up to $198,586 (large household, higher-AMI counties such as Nassau/Suffolk and Westchester). Buyer must complete CHI's free Grant Orientation, complete HUD-approved homebuyer education through eHomeAmerica or CHI in-person classes, and qualify for a mortgage through a CHI Participating Lender. Property must be a 1-family, condo, or co-op for owner-occupancy located within CHI's service area (Westchester, Rockland, Putnam, Nassau, Suffolk, and select Hudson Valley communities). Funds are subject to availability; approximately $1 million in down-payment-assistance and rehab grants are awarded annually.

First Time Homebuyer Grant Program将家庭收入限制在地区收入中位数的60%，该数值因县和家庭人数而异。 Household income must be at or below 80% HUD Area Median Income for the property's MSA. Limits vary by county and household size, ranging from approximately $65,604 (1-person, lower-AMI counties) up to $198,586 (8-person household in higher-AMI counties such as Nassau-Suffolk or Westchester). Current limits published by HUD annually. 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 Homebuyer Grant Program的房价上限如下：Maximum purchase price determined per individual program track and HUD HOME 95%-of-median rule for the property's county; varies by program (Westchester, Hudson Valley, or Long Island). 符合条件的房屋类型包括Single-family detached、Condominium和Cooperative。 新建房屋符合条件。 预制房屋不符合条件。

First Time Homebuyer Grant Program服务于在Multiple县，New York购房的购房者。

First Time Homebuyer 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Rolling intake; first-come, first-served subject to annual funding availability. Applicant must attend a Grant Orientation, complete the intake application (2025 Grant Application form), and submit documentation through CHI before being placed 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。