Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers是面向Suffolk县，New York购房者的可免除贷款，由Suffolk County Office of Community Development (Department of Economic Development and Planning)管理。 The Suffolk County HOME Consortium Down Payment Assistance Program provides eligible first-time homebuyers with up to $30,000 toward the down payment on an owner-occupied single-family residence (including condos, co-ops, and manufactured homes) within the Suffolk County HOME Consortium selection area. Funded with federal HUD HOME dollars, the assistance is a zero-interest deferred-payment loan secured by a subordinate Note & Mortgage that is forgiven after a 10-year affordability period, provided the home is not sold, transferred, or rented and remains the recipient's primary residence. The program does not fund closing costs. Up to $30,000 toward down payment. Zero-interest deferred loan. Fully forgivable after 10 years of owner-occupancy. First-time homebuyer requirement waived for honorably discharged veterans. Covers existing and new-construction homes. Includes condos, co-ops, and manufactured homes. 资金来自HUD HOME Investment Partnerships Program (federal) via the Suffolk County HOME Consortium。

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers提供最高$30,000的援助。 购房者自付部分：Applicant must have a minimum of $3,000 of their own funds in the bank at the time of application; applicant's liquid assets cannot exceed the purchase price of the house。 该项目可与May be combined with other down payment assistance programs and homebuyer resources per the County's Additional Resources guide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Suffolk County Office of Community Development (Department of Economic Development and Planning)决定。

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers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, rental, foreclosure, or loss of owner-occupancy as primary residence during the 10-year affordability period; full repayment if found in violation of affordability restrictions。 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。

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers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 homebuyer requirement (no homeownership in prior 3 years) is waived for U.S. military veterans possessing a DD-214 verifying honorable service/discharge。 须参加购房者教育课程，由One-on-one/in-person mortgage counseling at a HUD-certified not-for-profit housing agency; counseling certificate must be dated within 12 months of application; each individual named on the mortgage must attend.提供。 居住要求：Must occupy and maintain the subject property as principal residence throughout the entire 10-year affordability period。 STATUS NOTE: As of June 2026 the official program site (scdownpayment.com) states the program is CLOSED for applications, with the next funding round 'expected to open in Summer 2026.' Recurring, annually re-funded county program; this record reflects the most recent published 2024 cycle terms. Does NOT fund purchases in Towns of Babylon, Islip, or Brookhaven. Underwriting ratios: front-end DTI 38%, back-end TDTI 45%, LTV 95%. Purchaser Certificate valid 180 days to submit contract; 90 days to close (300 for new construction).

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers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。 Gross annual household income may not exceed 80% of HUD area median income; 2024 limits by household size: 1-person $87,500; 2 $100,000; 3 $112,500; 4 $124,950; 5 $134,950; 6 $144,950; 7 $154,950; 8+ $164,950. Includes all income (overtime, bonuses, pensions, Social Security, 401-K distributions, tips, etc.). 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。

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers将房价上限设为$551,000。 符合条件的房屋类型包括Single Family、Condo、Co-op和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers在其服务群体中提到了退伍军人。 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。

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers服务于在Suffolk县，New York购房的购房者。

Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers的申请通过Suffolk County Office of Community Development (Department of Economic Development and Planning)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First-come, first-served; Purchaser Certificates issued in order applications are received; waiting list established once available Certificates are exhausted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。