Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers

Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers是面向Southampton，New York购房者的延期第二贷款，由Town of Southampton Department of Housing and Community Development管理。 The Town of Southampton Community Housing Fund (CHF) offers first-time homebuyers a no-interest, deferred-payment loan of up to 3% of a home's purchase price toward the down payment for a primary residence in the Town of Southampton. The loan is repaid when the home is sold, transferred, refinanced or rented; recipients must occupy the home as their primary residence and recertify annually. This program does not fund closing costs. No-interest deferred loan up to 3% of purchase price toward down payment. 资金来自Town of Southampton Community Housing Fund (0.5% real estate transfer tax)。

Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers按项目规定，提供相当于房价3%的援助。 购房者自付部分：Applicant must have a minimum of 2% of projected purchase price in the bank at application; liquid assets cannot exceed the purchase price. 该项目可与其他援助结合使用，但须遵守各项目的规定。 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 Southampton Department of Housing and Community Development决定。

Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Repaid when home is sold, transferred, refinanced or rented out. 该援助以subordinate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 Southampton Community Housing Fund 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 = not owned a primary residence (and spouse not owned) in the 3-year period prior to purchase, and does not own a vacation/investment home (Town Code 140-40). 须参加购房者教育课程，由Community Development Corporation of Long Island (CDLI) - one-on-one mortgage counseling提供。 居住要求：Home must be located within the Town of Southampton。 Mortgages must be fixed-rate from FNMA/FMAC lenders; no ARMs, interest-only, no-doc, 80/20, 100% financing, short sales, foreclosures, or bank-owned properties; no non-occupying co-borrowers. Underwriting ratios apply (housing DTI, total DTI, LTV).

Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers的收入限制如下：Max gross annual household income: $184,680 for 1-2 persons; $215,460 for 3+ persons (100% of SONYMA non-target income limits for Suffolk County). 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。

Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers将房价上限设为$1.7M。 符合条件的房屋类型包括single_family、two_family、condo和townhome。 新建房屋符合条件。

Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers服务于在Southampton，New York购房的购房者。

Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers的申请通过Town of Southampton Department of Housing and 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Purchaser Certificate; 180 days to submit executed contract of sale, then 90 days to close; one-time extension at Town discretion; first-come, first-served waiting list.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。