HOME First Time Home Buyer Grant Program

HOME First Time Home Buyer Grant Program是面向Albany县，New York购房者的补助金。 The Albany County Rural Housing Alliance (ACRHA) HOME First Time Home Buyer Grant Program provides up to $40,000 in down payment, closing cost, and minor rehabilitation assistance to income-qualified first-time buyers purchasing a primary residence in rural/suburban Albany County (excluding the City of Albany). Funded by NYS Homes & Community Renewal HOME and HUD HOME, the assistance is provided as a forgivable grant subject to a 10-year affordability period with pro-rata recapture. Buyers must complete ACRHA's pre-purchase education and one-on-one counseling, and the property must pass HQS inspection. Up to $40,000 in down payment, closing cost, and minor rehabilitation assistance for income-qualified first-time buyers purchasing a primary residence in rural/suburban Albany County (excluding the City of Albany). Funded with NYS HCR HOME and HUD HOME funds. provided as a forgivable grant over a 10-year affordability period. 资金来自HOME、NYS HCR、Federal和State。

HOME First Time Home Buyer Grant Program提供最高$30,000的援助。 购房者自付部分：Minimum $1,000 buyer contribution required per HUD HOME standard。 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。

HOME First Time Home Buyer Grant Program属于补助金，因此无需偿还。 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 10 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。

HOME 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：First-time buyer required; standard HUD exceptions for displaced homemakers and single parents apply. 关于信用，该项目说明：Minimum 680 FICO required by ACRHA underwriting。 须参加购房者教育课程，由Albany County Rural Housing Alliance (HUD-approved counseling agency); pre-purchase education and one-on-one counseling required.提供。 居住要求：Property must be located in Albany County (excluding City of Albany) 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 located in Albany County excluding the City of Albany (rural/suburban Albany County: Bethlehem, Coeymans, Colonie, Green Island, Guilderland, Knox, New Scotland, Rensselaerville, Watervliet, Westerlo, Berne) and used as principal residence. Maximum purchase price $252,000 per HUD HOME 95% median-value rule. Minimum credit score 680. Income at or below 80% AMI for Albany-Schenectady-Troy MSA: 1-person $66,000 to 4-person $124,450 (rounded HUD FY2025). Buyer must complete ACRHA's pre-purchase education and one-on-one counseling. Property must pass HQS inspection. 10-year affordability period; pro-rata recapture if home is sold, transferred, refinanced with cash-out, rented, or no longer owner-occupied.

HOME 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 at or below 80% HUD AMI for Albany-Schenectady-Troy MSA: 1-person ~$66,000 to 4-person ~$124,450 (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。

HOME First Time Home Buyer Grant Program将房价上限设为$252,000。 符合条件的房屋类型包括Single-family detached、2-family owner-occupied、Condominium和Townhouse。 新建房屋符合条件。 预制房屋符合条件。

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

HOME 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Apply via ACRHA after pre-purchase counseling completed and purchase contract executed; 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。