First-Time Homebuyer Program

First-Time Homebuyer Program是面向Binghamton，New York购房者的延期第二贷款。 The City of Binghamton's First-Time Homebuyer Program, administered by the Housing Division of the Department of Planning, Housing & Community Development, provides up to $15,000 in down payment and closing cost assistance to income-qualified first-time buyers purchasing a primary residence within the City of Binghamton. Funded by HUD HOME and CDBG, the assistance is structured as a 0% interest deferred forgivable second mortgage with pro-rata forgiveness over a 5-year affordability period. Buyers must complete HUD-approved pre-purchase counseling and the property must pass HQS inspection. Up to $15,000 in down payment and closing cost assistance for income-qualified first-time buyers purchasing a primary residence within the City of Binghamton. Provided as a 0% interest deferred forgivable loan, forgivable over 5 years of continued owner-occupancy. 资金来自HOME、CDBG、Federal和Local Government。

First-Time Homebuyer Program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：Pro-rata recapture of unforgiven balance if borrower sells, transfers, refinances with cash-out, rents, or vacates within 5 years. 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 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：First-time buyer required; standard HUD exceptions for displaced homemakers and single parents apply. 关于信用，该项目说明：No fixed minimum published; per first-mortgage product (typically 620+ conventional, 580+ FHA)。 须参加购房者教育课程，由Opportunities for Broome (HUD-approved); Metro Interfaith Housing; pre-purchase education and one-on-one counseling required.提供。 居住要求：Property must be located within the City of Binghamton and used as borrower's principal residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME and first-mortgage rules。 First-time buyer required (no homeownership in past 3 years). Property must be a 1-2 family home located within the City of Binghamton and used as principal residence. Income at or below 80% AMI for Binghamton MSA: 1-person ~$49,700 to 4-person ~$93,700 (HUD FY2025). Buyer must complete HUD-approved homebuyer education. Property must pass HQS inspection and meet HUD HOME/lead-paint standards. 0% interest deferred forgivable second mortgage; pro-rata forgiveness over 5 years; due in full if borrower sells, transfers, refinances with cash-out, rents, or vacates within 5 years.

First-Time Homebuyer 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 at or below 80% HUD AMI for Binghamton MSA (Broome County): 1-person ~$49,700 to 4-person ~$93,700 (HUD FY2025). 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 Program的房价上限如下：Per HUD HOME 95% median-value rule for Binghamton MSA。 符合条件的房屋类型包括Single-family detached和2-family owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

First-Time Homebuyer Program服务于在Binghamton，New York购房的购房者。

First-Time Homebuyer 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Apply via City of Binghamton Housing Division after executing purchase contract; first-come, first-served subject to fund availability.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。