HAPEC Homebuyer Assistance Program

HAPEC Homebuyer Assistance Program是面向Clinton, Essex县，New York购房者的可免除贷款，由Housing Assistance Program of Essex County, Inc. (HAPEC)管理。 HAPEC's Homebuyer Assistance Program provides eligible first-time homebuyers in Clinton and Essex Counties with a no-interest, no-monthly-payment forgivable loan toward down payment, closing costs, and limited repairs. The loan is limited to the minimum needed to make the home affordable (averaging about $20,000) and is fully forgiven after 10 years of owner-occupancy; if sold within 10 years, a declining portion is repaid. Paired with HUD-certified homebuyer education and counseling. No interest, no monthly payments. Fully forgiven after 10 years. Can reduce mortgage principal, pay closing costs, and fund limited repairs/lead-paint remediation.

HAPEC Homebuyer Assistance Program提供最高$20,000的援助。 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Housing Assistance Program of Essex County, Inc. (HAPEC)决定。

HAPEC Homebuyer Assistance 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：Sale of the property within 10 years; owner repays a portion per declining-balance schedule. 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。

HAPEC Homebuyer Assistance 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：Eligible if you/your spouse have not owned a home in the past three years; or are a displaced homemaker; or a single parent who owned a home with a spouse. 关于信用，该项目说明：Applicants must be 'financially sound' (no numeric credit score stated). 须参加购房者教育课程，由HAPEC (HUD-certified housing counseling agency); online via eHome America (ehomeamerica.org/hapec)提供。 assistance_amount $20,000 is the brochure 'average loan amount', not a fixed max; actual award is the minimum needed for affordability (true min/max unknown). Funding source/federal program not named on the primary source (HAPEC is a HUD-certified counseling agency / historical NYS HOME-CDBG sub-recipient). Income limits shown are 2022 (latest published).

HAPEC Homebuyer Assistance 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。 Must earn less than 80% of area median income. 2022 limits by household size - Clinton: 1=$45,000,2=$51,400,3=$57,850,4=$64,250,5=$69,400,6=$74,550,7=$79,700,8=$84,850. Essex: 1=$42,950,2=$49,100,3=$55,250,4=$61,350,5=$66,300,6=$71,200,7=$76,100,8=$81,000. 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。

HAPEC Homebuyer Assistance Program的房价上限如下：Not stated; buyers may purchase a home appropriate to their circumstances. 符合条件的房屋类型包括Single Family。

HAPEC Homebuyer Assistance Program服务于在Clinton, Essex县，New York购房的购房者。

HAPEC Homebuyer Assistance Program的申请通过Housing Assistance Program of Essex County, Inc. (HAPEC)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。