Rensselaer County Housing Resources Small Cities Homebuyer Program

Rensselaer County Housing Resources Small Cities Homebuyer Program是面向Troy，New York购房者的可免除贷款，由Rensselaer County Housing Resources (RCHR), Inc. / TRIP & RCHR NeighborWorks HomeOwnership Center管理。 The Rensselaer County Housing Resources (RCHR) Small Cities Homebuyer Program provides up to $20,000 in down payment and closing cost assistance to income-eligible first-time homebuyers purchasing anywhere in Rensselaer County except the City of Troy. Funded through NYS Small Cities CDBG federal funds, this is a forgivable loan secured by a 10-year lien that is satisfied if the buyer remains in the home for the full term. Buyers must complete TRIP & RCHR homebuyer education and counseling prior to receiving assistance. Up to $20,000 DPA. County-wide coverage (excl. City of Troy). 10-year forgivable lien. Stackable with other programs. NeighborWorks-affiliated counseling. 资金来自NYS Small Cities CDBG (Community Development Block Grant) federal HOME funds administered through Rensselaer County。

Rensselaer County Housing Resources Small Cities Homebuyer Program提供最高$20,000的援助。 购房者自付部分：Minimum $1,500 in savings at time of application; applicant cannot be under purchase contract at time of application。 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Rensselaer County Housing Resources (RCHR), Inc. / TRIP & RCHR NeighborWorks HomeOwnership Center决定。

Rensselaer County Housing Resources Small Cities Homebuyer 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：Sale, transfer, or failure to owner-occupy within 10-year enforcement period。 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。

Rensselaer County Housing Resources Small Cities Homebuyer 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：Standard HUD FTHB definition applies (no ownership in principal residence in prior 3 years)。 关于信用，该项目说明：Must be mortgage-ready and qualify for a mortgage with fair interest rate。 须参加购房者教育课程，由TRIP & RCHR NeighborWorks HomeOwnership Center提供。 居住要求：Purchase must be anywhere in Rensselaer County except the City of Troy。 Subject to funding availability. Applicant must NOT be under purchase contract at time of application. Minimum $1,500 in savings required untouched for 3 months. Property must pass HUD HQS inspection. Administered by RCHR, Inc. (sister org of TRIP).

Rensselaer County Housing Resources Small Cities Homebuyer 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。 80% of HUD Area Median Income for Albany-Schenectady-Troy MSA (Rensselaer County limits). 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。

Rensselaer County Housing Resources Small Cities Homebuyer Program的房价上限如下：Property must pass HUD Housing Quality Standards (HQS) inspection and be in standard/good condition at time of purchase。 符合条件的房屋类型包括Single Family。 新建房屋不符合条件。 预制房屋不符合条件。

Rensselaer County Housing Resources Small Cities Homebuyer Program服务于在Troy，New York购房的购房者。

Rensselaer County Housing Resources Small Cities Homebuyer Program的申请通过Rensselaer County Housing Resources (RCHR), Inc. / TRIP & RCHR 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。