INHS Down Payment Assistance

INHS Down Payment Assistance是面向Ithaca，New York购房者的延期第二贷款，由Ithaca Neighborhood Housing Services, Inc. (INHS)管理。 INHS offers up to $20,000 in down payment and closing cost assistance to first-time, moderate-income homebuyers who live or work in Cayuga, Chemung, Cortland, Schuyler, Seneca, Tioga, or Tompkins County. The gap-financing assistance fills the difference between what a buyer can afford and the cost of housing; rates set monthly. Up to $20,000 gap financing. Soft credit pull during counseling. HUD-approved education. 7-county region by residence OR workplace. 资金来自Grants and other funds (federal HOME/CDBG and state); subject to availability。

INHS Down Payment Assistance提供最高$20,000的援助。 该项目可与First mortgage financing; INHS reviews other local assistance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Ithaca Neighborhood Housing Services, Inc. (INHS)决定。

INHS Down Payment Assistance为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Terms vary by funding source; gap-financing loans。 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。

INHS Down Payment Assistance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：For first-time homebuyers of moderate income。 须参加购房者教育课程，由INHS HomeOwnership education and counseling (HUD-approved; eHomeAmerica online)提供。 居住要求：Must live OR work in Cayuga, Chemung, Cortland, Schuyler, Seneca, Tioga, or Tompkins County。 Required intake docs: four recent paystubs, two years of federal tax returns with W-2s, two months of bank statements, recent retirement statements.

INHS Down Payment Assistance的收入限制如下：Eligibility determined by household income limits and funder/underwriting requirements; moderate income. Limits vary by funding source. 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

INHS Down Payment Assistance可用于Single Family、2-4 Unit和Condo。 新建房屋不符合条件。 预制房屋不符合条件。

INHS Down Payment Assistance服务于在Ithaca，New York购房的购房者。

INHS Down Payment Assistance的申请通过Ithaca Neighborhood Housing Services, Inc. (INHS)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Intake packet, then meeting with an INHS lender; ~two business days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。