Home HeadQuarters Closing Cost Assistance

Home HeadQuarters Closing Cost Assistance是面向Syracuse，New York购房者的延期第二贷款，由Home HeadQuarters, Inc.管理。 Home HeadQuarters, a Syracuse-based nonprofit CDFI and NeighborWorks member, offers Closing Cost Assistance to first-time buyers. City of Syracuse buyers below 80% AMI (or in an NRSA) may receive up to $4,000 as a deferred, non-payback loan forgiven after 5 years. Buyers elsewhere in NY (excluding NYC) may borrow up to $5,000 as a 5-year repayable loan at 3% (below 80% AMI) or up to 6%. Reduces out-of-pocket closing costs. Non-payback option for income-qualified City of Syracuse buyers. Stackable with HHQ no-PMI first mortgage. 资金来自Federal (CDBG/HOME) and Home HeadQuarters program funds。

Home HeadQuarters Closing Cost Assistance提供$500至$5,000的援助。 援助档次：Tier 1: up to $4,000 deferred non-payback loan for City of Syracuse buyers below 80% AMI or in an NRSA (price <= $150,000). Tier 2: up to $5,000 repayable loan (3% if below 80% AMI, otherwise up to 6%) over 5 years, statewide excluding NYC. 购房者自付部分：Borrower must provide at least $500 of own funds。 该项目可与HHQ first mortgage (2% down, no PMI) or other bank/credit union financing结合使用。 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Home HeadQuarters, Inc.决定。

Home HeadQuarters Closing Cost Assistance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：Deferred (non-payback) loan forgiven after 5 years owner-occupancy in City of Syracuse; repayable loans amortize over 5 years。 该援助以Subordinate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 HeadQuarters Closing Cost Assistance面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Home HeadQuarters HomeOwnership Center (certified; in person or online via eHomeAmerica); one-on-one counseling required提供。 居住要求：Own and occupy as primary residence at least 5 years。 Cash assets not used toward purchase may not exceed $7,500 for the deferred loan. Education course and 1:1 counseling certificate required. Distinct from City-administered 'Syracuse Closing Cost Assistance'.

Home HeadQuarters Closing Cost Assistance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。 Deferred loan: gross household income below 80% AMI for the Syracuse MSA (also Onondaga, Oswego, Madison), OR property in a City of Syracuse NRSA. Repayable loan available regardless of income (3% rate below 80% AMI). 80% AMI 2026-2027: 1 $59,850; 4 $85,450; 8 $112,800. 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 HeadQuarters Closing Cost Assistance将房价上限设为$150,000。 符合条件的房屋类型包括Single Family和2-4 Unit。 新建房屋符合条件。 预制房屋不符合条件。

Home HeadQuarters Closing Cost Assistance服务于在Syracuse，New York购房的购房者。 该项目针对特定区域：City of Syracuse Neighborhood Revitalization Stabilization Areas (NRSA)。

Home HeadQuarters Closing Cost Assistance的申请通过Home HeadQuarters, Inc.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; while supplies last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。