OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)

OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)是面向Oswego县，New York购房者的补助金，由Oswego Housing Development Council, Inc. (OHDC)管理。 OHDC administers the NYS HCR Down Payment Assistance Program for Oswego County, providing grants to eligible first-time homebuyers for down payment, closing costs, and moderate rehabilitation of newly purchased homes. Up to $15,000 is available toward down payment. Applicants must be income-eligible (HUD FY2026 limits), purchasing in Oswego County, able to obtain a mortgage, and must complete OHDC's homebuyer education. The program operates a first-come, first-served waiting list. Up to $15,000 toward down payment (plus closing costs and sometimes moderate rehab). No fees for OHDC services. Can be combined with USDA mortgage programs. 资金来自New York State Homes and Community Renewal (NYS HCR) Down Payment Assistance Program (DPA)。

OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)提供最高$15,000的援助。 该项目可与USDA Rural Development mortgage 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Oswego Housing Development Council, Inc. (OHDC)决定。

OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)属于补助金，因此无需偿还。 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。

OHDC First-Time Homebuyers Program (NYS HCR 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：A person who has not owned a home in the past 3 years is considered a first-time homebuyer. 关于信用，该项目说明：Applicant must be able to qualify for a regular mortgage loan; credit history requested on application. 须参加购房者教育课程，由Oswego Housing Development Council (OHDC) homebuyer education curriculum提供。 Confirmed from OHDC website + application PDF: grant up to $15,000; HUD FY2026 income limits by household size; FTHB (3-yr rule); homebuyer education required; first-come waiting list (active, not closed); no single-wide manufactured homes.

OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)将家庭收入限制在$82,800。 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。

OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)可用于Single Family。 预制房屋不符合条件。

OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)服务于在Oswego县，New York购房的购房者。

OHDC First-Time Homebuyers Program (NYS HCR Down Payment Assistance)的申请通过Oswego Housing Development Council, Inc. (OHDC)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 waiting list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。