Reparative Housing Justice Fund (RHJF)

Reparative Housing Justice Fund (RHJF)是面向Albany，New York购房者的补助金。 The Reparative Housing Justice Fund (RHJF) is a first-of-its-kind reparations-focused grant program operated by the Affordable Housing Partnership of the Capital Region (AHP) to provide non-repayable down payment, closing cost, and gap-financing assistance to descendants of Black families harmed by Albany's history of redlining, urban-renewal displacement (notably the demolition of the South End and Arbor Hill neighborhoods), and other discriminatory housing practices. The grant is structured as a true grant (no lien, no repayment, no recapture) and is funded through philanthropic, foundation, and private-sector commitments raised by AHP. Eligible applicants must document lineage to historically-harmed Albany neighborhoods, complete AHP pre-purchase counseling, and purchase a primary residence in the Capital Region. Reparative grant of up to $100,000 in down payment, closing cost, and gap-financing assistance for descendants of Albany residents harmed by historic redlining, urban renewal displacement, and discriminatory housing policies. Funds are provided as a non-repayable grant - no monthly payment, no lien, no recapture. 资金来自Philanthropic、Foundation和Private。

Reparative Housing Justice Fund (RHJF)提供最高$10,000的援助。 购房者自付部分：No buyer contribution required; full grant。 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管理该项目的机构决定。

Reparative Housing Justice Fund (RHJF)属于补助金，因此无需偿还。 触发还款的情形：None - true grant和no repayment。 该援助以0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。

Reparative Housing Justice Fund (RHJF)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：Not restricted to first-time buyers; descendants of harmed families eligible regardless of prior ownership. 关于信用，该项目说明：No fixed minimum; subject to first-mortgage product underwriting (typically 620+ for conventional, 580+ for FHA)。 须参加购房者教育课程，由Affordable Housing Partnership of the Capital Region (HUD-approved counseling agency); pre-purchase education and one-on-one counseling required.提供。 居住要求：Property must be in the Capital Region (Albany, Rensselaer, Schenectady, or Saratoga County) and used as borrower's principal residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product。 RACIAL-TARGETING / REPARATIONS PROGRAM: Eligibility limited to descendants of Black/African-American families who lived in Albany neighborhoods harmed by historic redlining (HOLC red-lined zones), Albany urban-renewal demolitions (e.g., the South End, Arbor Hill, Sheridan Hollow), or other documented racially-discriminatory housing policies. Applicants must document lineage to a household that lived in a designated historically-harmed Albany neighborhood. Income at or below 120% AMI for Albany-Schenectady-Troy MSA: 1-person ~$62,850 to 4-person ~$118,500. Property must be located in the Capital Region (Albany, Rensselaer, Schenectady, Saratoga counties) and used as principal residence. Buyer must complete AHP homebuyer education and one-on-one counseling. No race/ethnicity flag exists in schema - documented here per program design.

Reparative Housing Justice Fund (RHJF)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income between approximately $62,850 (1-person 80% AMI floor) and $118,500 (4-person 120% AMI cap) for Albany-Schenectady-Troy MSA. 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。

Reparative Housing Justice Fund (RHJF)的房价上限如下：No fixed dollar cap; subject to first-mortgage and appraisal underwriting。 符合条件的房屋类型包括Single-family detached、Condominium、Townhouse和2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Reparative Housing Justice Fund (RHJF)服务于在Albany，New York购房的购房者。 该项目针对特定区域：Capital Region (Albany, Rensselaer, Schenectady, Saratoga counties) with preference for historically redlined and urban-renewal-impacted Albany neighborhoods (South End, Arbor Hill, Sheridan Hollow, West Hill).

Reparative Housing Justice Fund (RHJF)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Application via AHP intake; reviewed for lineage documentation, income, and counseling status; first-come, first-served subject to fund availability.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。