Nassau County HOME Down Payment Assistance Program

Nassau County HOME Down Payment Assistance Program是面向Nassau县，New York购房者的可免除贷款，由Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development管理。 A HUD HOME-funded down payment and closing cost assistance program for first-time homebuyers purchasing an owner-occupied single-family home in Nassau County, NY. Provides up to $50,000 as a zero-interest deferred loan secured by a subordinate Note & Mortgage, forgiven after a 15-year affordability period. Administered by the Long Island Housing Partnership as agent for the Nassau County Office of Housing & Community Development. The program runs in annual cycles on a first-come, first-served basis until funding is exhausted. Up to $50,000 in down payment/closing cost assistance. Zero-interest deferred loan, fully forgiven after 15 years. Can be combined with SONYMA, NYS AHC, and Employer Assisted Housing programs. Free HUD-certified mortgage counseling through LIHP. Available for new or existing homes, condos, co-ops, townhouses, and manufactured homes. 资金来自U.S. HUD HOME Investment Partnerships (HOME) Program funds, administered by Nassau County。

Nassau County HOME Down Payment Assistance Program提供最高$50,000的援助。 购房者自付部分：Minimum $5,000 of buyer's own funds/verifiable liquid assets (shown across 3 consecutive months at application); buyer must put at least 3% of purchase price down from own funds and cover all closing costs. Post-closing liquid assets capped at $61,550. 该项目可与Most other assistance programs and mortgages (e.g., SONYMA, NYS AHC, Employer Assisted Housing Program); NOT other Nassau County HOME-funded programs.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Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development决定。

Nassau County HOME Down Payment Assistance Program在15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：Sale, transfer, or ceasing to occupy as primary residence before the end of the 15-year affordability period; prorated recapture applies (100% in years 1-10, then declining 80%/60%/40%/20% in years 11-14, 0% after 15 years). 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。

Nassau County HOME 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。 此处的“首次”有例外情况：May own vacant land or a vacation timeshare provided no mortgage-interest or property-tax deduction was taken in the prior 3 years. FTHB defined as not having owned a home in the 3-year period immediately prior to application. 关于信用，该项目说明：Middle credit score of all borrowers from three national repositories must be at least 580 (higher may be required by lenders). No outstanding collections/judgments; bankruptcy discharged 3+ years; foreclosure/deed-in-lieu 3+ years old. 须参加购房者教育课程，由Long Island Housing Partnership (LIHP) pre-purchase mortgage counseling (HUD-certified; ~2 hours, free). A LIHP counseling certificate issued within the last 12 months may satisfy the requirement.提供。 居住要求：Must occupy as principal residence throughout the 15-year affordability period; annual notarized monitoring affidavit required. 公民身份或移民身份：Each applicant must be a U.S. Citizen or Qualified non-Citizen (per 8 USC 1641, 42 USC 1436a, 24 CFR Part 5 Subpart E). ANNUAL CYCLE PROGRAM - application intake is currently CLOSED between cycles. The most recent (2025) cycle opened March 18, 2025 and closed June 18, 2025. As of June 2026 the next (2026) cycle had not yet opened; LIHP invites applicants to check back. Buyer cannot enter a purchase contract before receiving a Purchaser Certificate. A Nassau County representative attends all closings. The County's own webpage shows stale 2018 figures; this record relies on the current 2025 guidelines ($50,000 / $608,000 / 15-year term).

Nassau County HOME Down Payment Assistance 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。 Gross annual household income may not exceed 80% of HUD area median by household size (as of 9/2024): 1=$87,500; 2=$100,000; 3=$112,500; 4=$124,950; 5=$134,950; 6=$144,950; 7=$154,950; 8+=$164,950. Includes all income (OT, bonuses, pensions, SS, 401k distributions, tips). A minimum household income (historically ~$30,000) is also required. 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。

Nassau County HOME Down Payment Assistance Program将房价上限设为$608,000。 符合条件的房屋类型包括Single Family、Townhouse、Condo、Co-op和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Nassau County HOME Down Payment Assistance Program服务于在Nassau县，New York购房的购房者。

Nassau County HOME Down Payment Assistance Program的申请通过Long Island Housing Partnership, Inc. (LIHP), as agent for the Nassau County Office of Housing & Community Development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; applications accepted until 75 applicants are qualified eligible or the cycle deadline, whichever comes first. Purchaser Certificates issued in order received.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。