HomeFirst Down Payment Assistance Program

HomeFirst Down Payment Assistance Program是面向New York City，New York购房者的可免除贷款，由NYC Department of Housing Preservation and Development (HPD)管理。 HomeFirst provides qualified first-time homebuyers with up to $100,000 toward the down payment or closing costs on a 1-4 family home, condominium, or cooperative in one of the five boroughs of New York City. It is a forgivable loan secured against the property with a long-term owner-occupancy requirement. Forgivable down payment / closing cost loan of up to $100,000 for first-time buyers in NYC.

HomeFirst Down Payment Assistance Program提供最高$100,000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NYC Department of Housing Preservation and Development (HPD)决定。

HomeFirst Down Payment Assistance Program是可免除贷款，满足项目条件后余额即被免除。 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。

HomeFirst Down Payment 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。 “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。 Must work with an HPD-approved HUD-certified counseling agency to complete the HomeFirst Loan Application and homebuyer education. Property must pass a Housing Quality Standards (HQS) inspection before purchase. Borrower must contribute a minimum down payment / contract deposit of at least 3% of purchase price from their own funds. Occupancy term: 10 years if loan <= $40,000; 15 years if loan > $40,000; 15 years for City-funded loans regardless of amount. Purchase price must be at or below 95% of HUD purchase price limits for existing homes (varies by borough/unit count).

HomeFirst Down Payment Assistance Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Maximum household income up to 120% AMI (e.g., 1-person $136,080; 4-person $194,400; 8-person $256,680). Effective 6/01/24, per HUD. 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。

HomeFirst Down Payment Assistance Program的房价上限如下：Existing homes must be at or below 95% of HUD purchase price limits. Effective 12/1/2025, 1-unit limits: Bronx/New York/Richmond $661,000; Kings $732,000; Queens $699,000 (higher limits apply for 2-4 units).

HomeFirst Down Payment Assistance Program服务于在New York City，New York购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

HomeFirst Down Payment Assistance Program的申请通过NYC Department of Housing Preservation and Development (HPD)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。