Onondaga County Community Development Home Ownership Program

Onondaga County Community Development Home Ownership Program是面向Statewide，New York购房者的静默第二贷款，由Onondaga County Community Development Division管理。 Onondaga County Community Development purchases, rehabilitates, and sells single-family homes (often formerly vacant) at a subsidized price to income-eligible first-time homebuyers. The buyer subsidy is generally secured by a second mortgage due only if the property is sold within ten years (otherwise forgiven). Buyers must be first-time homebuyers, meet income limits (2026 NYS AHC 112% of Low-Income), qualify for a mortgage, and complete homebuyer counseling. Eligible buyers are selected by lottery from a mailing list as homes become available. Subsidized purchase price on a County-rehabilitated home. Subsidy structured as a 0% second mortgage forgiven after 10 years of ownership. 资金来自Onondaga County and New York State funds, including NYS Affordable Housing Corporation (AHC)。

Onondaga County Community Development Home Ownership Program在10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：Subsidy second mortgage is due only if the property is sold within ten (10) years; otherwise forgiven. 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。

Onondaga County Community Development Home Ownership 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Home HeadQuarters, Inc. homebuyer education提供。 居住要求：Home must be a County Community Development homeownership property within Onondaga County。 LOAN TERM: buyer subsidy secured by a second mortgage, 0% interest, due ONLY if the property is sold within 10 years (otherwise forgiven); max subsidy varies by income/housing expenses/subsidy source. MODEL: County acquires/rehabs single-family homes and sells at a subsidized price (typically $180,000-$240,000 before subsidy). Eligibility: first-time buyer, mortgage-qualified, income below 2026 NYS AHC 112% Low-Income limits, required homebuyer counseling (Home HeadQuarters); selection by lottery. ACTIVE/FUNDED: county Home Ownership page modified 2026-05-20 with 2026 income limits. Distinct from City of Syracuse / Home HeadQuarters programs (county-wide, excludes city).

Onondaga County Community Development Home Ownership Program将家庭收入限制在$95,700。 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。

Onondaga County Community Development Home Ownership Program的房价上限如下：County-acquired/rehabbed homes sold at a subsidized price; typically $180,000-$240,000 before subsidy。 符合条件的房屋类型包括Single Family。 新建房屋不符合条件。

Onondaga County Community Development Home Ownership Program服务于在Statewide，New York购房的购房者。 目标社区：Onondaga County (excluding City of Syracuse programs); CDBG-eligible areas。

Onondaga County Community Development Home Ownership Program的申请通过Onondaga County Community Development Division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Buyers join a mailing list; eligible buyers selected by lottery for available County-rehabilitated homes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。