Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)是面向Amherst，New York购房者的可免除贷款，由Town of Amherst Planning Dept., Community Development Office (Amherst-Cheektowaga-Tonawanda HOME Consortium)管理。 The Town of Amherst, a member of the Amherst-Cheektowaga-Tonawanda HOME Consortium, offers deferred 0% interest loans of up to $50,000 to income-eligible first-time homebuyers for down payment and closing costs on a home in the Town of Amherst or Village of Williamsville. Assistance brings the buyer's front-end ratio to 35%; remaining funds cover closing costs. The down payment portion is forgiven after 15 years of owner-occupancy; the closing-cost portion is always repayable. HOME-funded and administered by the Town's Community Development Office. Up to $50,000 in 0% interest deferred assistance. DPA portion forgiven after 15 years. Can buy down points. No monthly payments. 资金来自Federal HOME Investment Partnerships Program via the Amherst-Cheektowaga-Tonawanda HOME Consortium。

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)提供最高$50,000的援助。 购房者自付部分：Homebuyer must contribute at least $1,000 toward the down payment. 该项目可与Supplementary low-down-payment mortgage products; SONYMA/FHA/USDA/VA first mortgages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Town of Amherst Planning Dept., Community Development Office (Amherst-Cheektowaga-Tonawanda HOME Consortium)决定。

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)在15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：DPA portion forgiven after 15 years of continuous owner-occupancy; due in full on sale, title transfer, refinance, or ceasing owner-occupancy. Closing-cost portion is always repayable. 该援助以Subordinate (second lien securing the Consortium loan)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。

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)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：false。 须参加购房者教育课程，由Belmont Housing Resources for WNY, Inc. (free six-hour HUD-certified homebuyer workshop) - (716) 884-7791 x131提供。 居住要求：Property in the Town of Amherst or Village of Williamsville; occupy as principal residence (>=9 months/year). LOAN TERM: deferred 0% forgivable loan up to $50,000 secured by a collateral (second) mortgage; DPA portion forgiven after 15 years of continuous principal-residence occupancy, closing-cost portion never forgiven; repayment on sale/transfer/refinance/additional debt requiring subordination/loss of owner-occupancy. STATUS: live Town site shows program 'closed for the time being due to funding limitations,' accepting waiting-list applications only, but maintains current FY2026 documentation (Fact Sheet, Guidelines, Income Guidelines eff. 6/1/2026; waitlist application 7/2025) - actively administered recurring program in a temporary funding lapse; re-verify open/closed intake at review. ELIGIBILITY: first-time buyer (no ownership prior 3 yrs); <=80% Erie County AMI; min $1,000 buyer contribution; front-end DTI <=35%, back-end <=45%; max price $265,000 single-family; outside 100/500-yr floodplain; Belmont Housing workshop required.

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)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。 At or below 80% of Erie County AMI (FY2026, eff. 6/1/2026): 1=$56,850; 2=$65,000; 3=$73,100; 4=$81,200; 5=$87,700; 6=$94,200; 7=$100,700; 8=$107,200. Income of all members 16+ counted per 24 CFR 5.609. 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。

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)将房价上限设为$265,000。 符合条件的房屋类型包括Single Family、Condo和Townhouse。 新建房屋不符合条件。 预制房屋不符合条件。

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)服务于在Amherst，New York购房的购房者。

Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)的申请通过Town of Amherst Planning Dept., Community Development Office (Amherst-Cheektowaga-Tonawanda HOME Consortium)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-based through Town Community Development; waiting list when funds exhausted. Currently temporarily closed (funding limitations), accepting waiting-list applications only.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。