SONYMA Down Payment Assistance Loan (DPAL)

SONYMA Down Payment Assistance Loan (DPAL)是面向New York购房者的可免除贷款，由State of New York Mortgage Agency (SONYMA), a division of NYS Homes and Community Renewal (HCR)管理。 SONYMA's Down Payment Assistance Loan (DPAL) provides funds toward down payment and/or closing costs (including mortgage insurance premiums) for buyers using a SONYMA first-mortgage program. The DPAL is a 0% interest, no-monthly-payment second loan that is forgiven after 10 years. 0% interest rate; no monthly payments; forgiven after 10 years; can be used to cover all or part of mortgage insurance premium to reduce the monthly payment.

SONYMA Down Payment Assistance Loan (DPAL)提供$1,000至$15,000的援助。 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 Down Payment Assistance Loan (DPAL)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 or refinance of the home within the first 10 years; repayable amount decreases 1/120 per month of occupancy; any shortage from sale proceeds is 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。

SONYMA Down Payment Assistance Loan (DPAL)面向将房屋作为主要住所自住的购房者。 Must be used in conjunction with a SONYMA mortgage and the chosen SONYMA program's property-type rules apply (incl. cooperatives). DPAL cannot exceed actual down payment and/or closing costs. Cash back at closing not allowed (except special circumstances). SONYMA will not allow the DPAL to be subordinate to another mortgage. First-mortgage interest rate is 0.40% higher when a DPAL is attached (does NOT apply to Graduate to Homeownership, Homes for Veterans, or ENERGY STAR programs). Borrower must make a minimum cash contribution of 1% of property value (3% for cooperatives and 3- and 4-family properties). Not all participating SONYMA lenders offer DPALs. Amount is the higher of 3% of purchase price (up to $15,000) or $3,000; minimum $1,000.

SONYMA Down Payment Assistance Loan (DPAL)服务于在New York任何地方购房的购房者。

SONYMA Down Payment Assistance Loan (DPAL)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。 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。