SONYMA Achieving the Dream Program

SONYMA Achieving the Dream Program是面向Statewide县，New York购房者的第一抵押贷款，由State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR)管理。 The SONYMA Achieving the Dream Program is the State of New York Mortgage Agency's lowest-interest-rate first-mortgage product. It is a 30-year fixed-rate mortgage with no points and a low 1% minimum borrower cash contribution, financing up to 97% LTV for qualified low-income, primarily first-time homebuyers purchasing 1-4 family homes, condos, co-ops, or manufactured homes in New York State. It includes built-in down payment assistance (greater of $3,000 or 3% of purchase price, up to $15,000) and can be paired with the Repayable Second Lien (RSL), the successor to the discontinued DPAL Plus ATD, providing up to 5% of net purchase price at 0% interest. 30-year fixed rate, SONYMA's lowest interest rate. No points. Financing up to 97% LTV. Low 1% minimum borrower cash contribution. Down payment assistance of $3,000 or 3% (up to $15,000). Stacks with DPAL, RSL, and other grants. Reimbursable federal recapture tax. 资金来自SONYMA mortgage revenue bonds (SONYMA Bond financing)。

SONYMA Achieving the Dream Program提供$3,000至$15,000的援助。 援助档次：Standard DPAL add-on: greater of $3,000 or 3% of purchase price, max $15,000. Repayable Second Lien (RSL) add-on (successor to DPAL Plus ATD): minimum $3,000, up to 5.0% of net purchase price. 该项目可与Down Payment Assistance Loan (DPAL), Repayable Second Lien (RSL), RemodelNY, Homes for Veterans, Graduate to Homeownership, ENERGY STAR; other grants and subsidies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State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR)决定。

SONYMA Achieving the Dream Program是第一抵押贷款，按State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR)设定的条款偿还。 触发还款的情形：Attached Down Payment Assistance Loan (DPAL) may be required to be repaid (all or a portion) if the home is sold or the mortgage is refinanced within the first 10 years of purchase. The first mortgage itself is a fully amortizing 30-year repayable loan. 该援助以first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。

SONYMA Achieving the Dream 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：First-time buyer requirement waived for eligible military veterans (and their household members) and for buyers purchasing in a federally designated Target Area. 关于信用，该项目说明：No published minimum credit score on the program page; borrowers must meet SONYMA's credit underwriting standards. 须参加购房者教育课程，由Applicants must complete a homebuyer education course. Counseling from a HUD-approved agency is preferred; web-based counseling from a PMI company is acceptable when an RSL is attached.提供。 居住要求：Property must be located in New York State and occupied as the borrower's permanent primary residence. DOCUMENTED PROGRAM CHANGE: SONYMA's 'DPAL Plus' / 'DPAL Plus ATD' enhanced down payment assistance loan has been DISCONTINUED/RESTRUCTURED into the Repayable Second Lien (RSL) Program (0% interest, min $3,000, max 5.0% of net purchase price, due on sale/payoff/refinance; requires 0.40% rate increase on the primary loan). The Achieving the Dream first-mortgage product is documented here as the active alternative. Both ATD and RSL confirmed active (limits effective for reservations accepted Aug 11, 2025; RSL term sheet dated 7/21/2025).

SONYMA Achieving the Dream Program将家庭收入限制在$101,380。 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。

SONYMA Achieving the Dream Program将房价上限设为$544,230。 符合条件的房屋类型包括Single Family、Condo、Co-op、2-4 Unit和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

SONYMA Achieving the Dream Program在其服务群体中提到了退伍军人、现役军人和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

SONYMA Achieving the Dream Program服务于在Statewide县，New York购房的购房者。

SONYMA Achieving the Dream Program的申请通过State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR)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SONYMA Express (loans reserved by participating lenders); funds available first-come, first-served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。