Town of Babylon HOME Down Payment Assistance Program

Town of Babylon HOME Down Payment Assistance Program是面向Babylon，New York购房者的延期第二贷款，由Long Island Housing Partnership, Inc. (LIHP), as agent for the Town of Babylon Community Development管理。 The Town of Babylon HOME Down Payment Assistance Program, administered by the Long Island Housing Partnership, provides eligible first-time homebuyers up to $50,000 toward down payment and closing costs for an owner-occupied single-family home within the Town of Babylon. The assistance is a 0% deferred HOME loan, secured by a Note & Mortgage subordinate to the prime lender, forgiven after a 10-year affordability period and repaid in full if the owner sells, transfers, or stops occupying the home during that period. Can be paired with a NYS AHC grant of up to $40,000. Up to $50,000 0% deferred loan forgiven after 10 years. Stackable with up to $40,000 NYS AHC down payment/rehab assistance. 资金来自HUD HOME Investment Partnerships Program (Town of Babylon)。

Town of Babylon HOME Down Payment Assistance Program提供最高$50,000的援助。 购房者自付部分：At least $3,000 in verifiable liquid assets at application AND at least 3% of purchase price down from own funds. No seller concessions. 该项目可与NYS AHC grant (up to $40,000: $15,000 DP + $23,000 rehab + $2,000 fee), forgivable after 10 years, for non-new-construction homes needing rehab.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Long Island Housing Partnership, Inc. (LIHP), as agent for the Town of Babylon Community Development决定。

Town of Babylon HOME Down Payment Assistance Program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：0% deferred loan forgiven after 10 years; full recapture if owner sells, transfers, ceases primary occupancy, or rents during the 10-year period. 该援助以Subordinate (second), subordinate to the prime lender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 Babylon HOME Down Payment Assistance 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：May own vacant land or a vacation timeshare if no mortgage-interest/property-tax deductions in the prior 3 years. 关于信用，该项目说明：Middle credit score of all borrowers must be at least 580. Good 12-month payment history; no outstanding collections/judgments; bankruptcy discharged 3+ years; foreclosure 3-5+ years old. 须参加购房者教育课程，由Long Island Housing Partnership (HUD-certified); free ~2-hour pre-purchase counseling required提供。 居住要求：Home within the Town of Babylon (Amityville, North Amityville, Babylon, Copiague, Deer Park, Lindenhurst, North Babylon, West Babylon, Wheatley Heights, Wyandanch, East Farmingdale); principal residence for the 10-year period. 公民身份或移民身份：Each applicant must be a U.S. Citizen or a Qualified Alien (8 USC 1641)。 Recurring annual program; 2026 application round closes May 26, 2026 (between rounds at present). $35 application fee; LIHP counseling; HQS inspection; no seller concessions; fixed-rate 30-year first mortgage capped at SONYMA ATD rate + 2 points; 2-year employment and U.S. citizen/qualified-alien requirement.

Town of Babylon HOME Down Payment Assistance Program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。 Maximum gross annual household income (2026, size 1-8): $92,350 / $105,550 / $118,750 / $131,900 / $142,500 / $153,050 / $163,600 / $174,150. 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 Babylon HOME Down Payment Assistance Program将房价上限设为$599,000。 符合条件的房屋类型包括Single Family、Townhouse、Condo、Co-op和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Town of Babylon HOME Down Payment Assistance Program服务于在Babylon，New York购房的购房者。 该项目针对特定区域：Town of Babylon hamlets/villages: Amityville, North Amityville, Babylon, Copiague, Deer Park, Lindenhurst, North Babylon, West Babylon, Wheatley Heights, Wyandanch, East Farmingdale.

Town of Babylon HOME Down Payment Assistance Program的申请通过Long Island Housing Partnership, Inc. (LIHP), as agent for the Town of Babylon Community Development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 until 75 eligible applicants or deadline (May 26, 2026 for 2026 round).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。