UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant是面向Utica，New York购房者的可免除贷款，由HomeOwnershipCenter (formerly Utica Neighborhood Housing Services / UNHS)管理。 The HomeOwnershipCenter (formerly UNHS) administers the Oneida County Down Payment Assistance + Rehabilitation Grant, a 100% forgivable loan of up to $31,500 for first-time homebuyers purchasing an existing single-family home anywhere in Oneida County. The award combines a DPA component (up to $15,000, income-tiered) with a rehabilitation component (up to $16,500) to address structural defects and health/safety systems in the purchased home. A 10-year lien is placed on the property and forgiven in full if the buyer remains owner-occupant for the entire period. Homebuyer education and financial coaching through the HomeOwnershipCenter are required before application. Up to $31,500 combined DPA+rehab. 100% forgivable over 10 years. 112% AMI income limit (generous). Stackable with FHLBNY HDP and other programs. County-wide Oneida County coverage. 资金来自Oneida County federal HOME/CDBG funds。

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant提供最高$31,500的援助。 援助档次：Income tiered: up to $15,000 DPA based on income; rehab portion up to $16,500 based on DPA award and property needs。 购房者自付部分：Minimum $2,000 of buyer's own funds toward purchase; all closing costs are buyer's responsibility。 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HomeOwnershipCenter (formerly Utica Neighborhood Housing Services / UNHS)决定。

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant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, or failure to owner-occupy within 10-year lien period。 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。

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant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：Standard HUD FTHB definition applies。 关于信用，该项目说明：Must qualify for a first mortgage with a bank, mortgage company, or credit union at fair interest rate and terms。 须参加购房者教育课程，由HomeOwnershipCenter (UNHS) HUD-approved 8-hour Home Buyer Education class + 1-hour financial coaching session required提供。 居住要求：Property must be in Oneida County target areas。 Program subject to funding availability; current UNHS home buyer webpage (updated Dec 2025) does not list this program among active DPA tabs; applicants should call (315) 724-4197 to confirm current funding status. Minimum $2,000 buyer contribution required. All closing costs are buyer's responsibility. 7 days advance notice of closing required.

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant将家庭收入限制在地区收入中位数的112%，该数值因县和家庭人数而异。 112% of HUD Low Income Limits for Oneida County: 1-person $45,400; 2-person $52,000; 3-person $58,400; 4-person $64,900; 5-person $70,100; 6-person $75,300; 7-person $80,500; 8-person $85,700. 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。

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant的房价上限如下：Combined household assets must not exceed 25% of unsubsidized sale price of the rehabilitated home; projected housing ratios must fall between 25%-33%。 符合条件的房屋类型包括Single Family。 新建房屋不符合条件。 预制房屋不符合条件。

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant服务于在Utica，New York购房的购房者。

UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant的申请通过HomeOwnershipCenter (formerly Utica Neighborhood Housing Services / UNHS)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Compass portal at hoc.my.site.com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。