Monroe County First-Time Homebuyer Direct Subsidy Program

Monroe County First-Time Homebuyer Direct Subsidy Program是面向Monroe县，New York购房者的延期第二贷款，由Monroe County Department of Planning and Development, Community Development Division (with The Housing Council at PathStone)管理。 A HOME-funded direct subsidy administered by Monroe County's Community Development Division providing closing cost and down payment assistance to income-eligible first-time homebuyers purchasing in suburban Monroe County (excluding the City of Rochester). The subsidy is a conditional grant up to $10,000 secured by a Note and Mortgage with a Declaration of Restrictive Covenant, with HOME resale/recapture provisions and a 10- or 15-year affordability/owner-occupancy period. Up to $10,000 toward down payment and closing costs. 0% interest, no monthly payments. Reduces upfront cost of buying an eligible single-family home. 资金来自Federal HOME funds via the Monroe County HOME Consortium。

Monroe County First-Time Homebuyer Direct Subsidy Program提供最高$10,000的援助。 援助档次：30%-70% AMI: 100% of down payment + closing costs plus 10% of sale price (max $10,000). 71%-80% AMI: 100% of DP+CC plus 5% of sale price (max $10,000). 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Monroe County Department of Planning and Development, Community Development Division (with The Housing Council at PathStone)决定。

Monroe County First-Time Homebuyer Direct Subsidy Program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：Sale, voluntary title transfer, rental, bankruptcy, foreclosure, or ceasing to occupy as principal residence during the Affordable Housing Period (10 or 15 years depending on HOME investment). 该援助以Second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。

Monroe County First-Time Homebuyer Direct Subsidy 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，由The Housing Council at PathStone; ABVI Goodwill of the Finger Lakes; Lifespan of Greater Rochester提供。 居住要求：Must occupy as principal residence (defined as residing at the property any consecutive nine months each year) during the 10- or 15-year Affordable Housing Period. Confirmed from Monroe County 2024 Annual Action Plan: conditional grant up to $10,000, AMI-tiered, HOME resale/recapture, 10/15-yr affordability secured by Note/Mortgage/Declaration. Lien position inferred as second from the Note-and-Mortgage structure.

Monroe County First-Time Homebuyer Direct Subsidy 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。 Low- to moderate-income first-time homebuyers up to 80% of Area Median Income; subsidy tiered by AMI band (30-70% vs 71-80%). 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。

Monroe County First-Time Homebuyer Direct Subsidy Program可用于Single Family。

Monroe County First-Time Homebuyer Direct Subsidy Program服务于在Monroe县，New York购房的购房者。

Monroe County First-Time Homebuyer Direct Subsidy Program的申请通过Monroe County Department of Planning and Development, Community Development Division (with The Housing Council at PathStone)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。