NYS AHC Ulster County First-Time Homebuyer Grant

NYS AHC Ulster County First-Time Homebuyer Grant是面向Kingston，New York购房者的可免除贷款，由RUPCO, Inc. (NeighborWorks HomeOwnership Center)管理。 RUPCO administers the NYS Affordable Housing Corporation (AHC) First-Time Homebuyer Grant in Ulster County, providing up to $75,000 in forgivable assistance (soft second, 0%, deferred) for closing costs, down payment, and required moderate post-closing repairs. Grant amount is tiered by household income and home type, with corresponding 10-, 20-, or 60+ year deed restrictions. Buyers contribute at least 1% of the purchase price and keep the post-grant housing ratio below 33%. Up to $75,000 toward down payment, closing costs, and repairs. 0% interest, forgivable. 资金来自New York State Affordable Housing Corporation (AHC)。

NYS AHC Ulster County First-Time Homebuyer Grant提供$25,000至$75,000的援助。 援助档次：Grant tier tied to income and home type: up to $75,000 (60+ yr restriction over $65,000); up to $60,000 (20-yr); up to $50,000 (20-yr); up to $40,000 (10-yr); up to $32,000 (10-yr); up to $25,000 (10-yr). Higher grant = lower income limit. 购房者自付部分：Buyers must contribute at least 1% of the purchase price from own funds. 该项目可与其他援助结合使用，但须遵守各项目的规定。 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RUPCO, Inc. (NeighborWorks HomeOwnership Center)决定。

NYS AHC Ulster County First-Time Homebuyer Grant在20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 cessation of owner-occupancy / use as rental during the deed-restriction term; soft forgivable 0% deferred loan secured by lien. 该援助以Subordinate (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。

NYS AHC Ulster County First-Time Homebuyer Grant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RUPCO HomeOwnership Center (NeighborWorks); information sessions and counseling required提供。 居住要求：Occupy the Ulster County home as primary residence for the deed-restriction term (10, 20, or 60+ years); no rental use during the term. Repairs are a key requirement (>=51% of grant); income-tier deed restrictions apply; no reimbursements (funds at/after closing).

NYS AHC Ulster County First-Time Homebuyer Grant的收入限制如下：Household gross income limits (updated 9/16/25) by tier and size. $75,000 tier (1-8): $50,325-$94,912. $50,000 tier: $67,100-$126,550. $40,000 tier: $75,487-$142,368. $32,000 tier: $92,262-$174,005. $25,000 tier: $110,715-$208,806. 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。

NYS AHC Ulster County First-Time Homebuyer Grant可用于Single Family。 新建房屋不符合条件。

NYS AHC Ulster County First-Time Homebuyer Grant服务于在Kingston，New York购房的购房者。

NYS AHC Ulster County First-Time Homebuyer Grant的申请通过RUPCO, Inc. (NeighborWorks HomeOwnership Center)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。