Housing Assistance Program of Essex County

Housing Assistance Program of Essex County

ESSEX COUNTY HOME BUYING ASSISTANCE

How this program can assist you:

You may receive funds to make a home affordable to your family. Subsidy is based on a case by case basis.
These funds can be used to:

Reduce the mortgage principal so monthly mortgage payments are affordable.
Pay reasonable closing costs.
provide assistance to correct limited code or structural deficiencies when funds allow it.
Address Lead Based Paint concerns

In addition, you will receive information in obtaining suitable bank financing.

HAPEC is a HUD Certified Housing Counseling Agency which provides comprehensive counseling services.

What type of home are you looking for?

Do you wish to purchase:

an existing home that is for sale, or
a newly constructed home?

Both are eligible through this program!

If you own land and want to construct a home on the property, you may receive assistance for this as well.

The purchase price including both the land and the home should not exceed $150,000.

How these funds can make a home affordable to you....

Funding is based upon need and the subsidy amount varies according to your income. The amount of assistance you receive is calculated by using your total monthly income. In general, you will be expected to pay 30% of your total monthly income toward your housing expenses.

After determining the monthly mortgage payment that you can afford to pay based on your income, the program provides the additional subsidy needed to purchase the home.

Are you eligible for assistance?

The program requires a participant to be a first time home buyer. You may be eligible, however, if you or your spouse have not owned a home for the past three years; or if you are a displaced homemaker; or if you are a single parent who owned a home with your spouse or previously resided in a home owned by a spouse.

DOWNLOADABLE FORMS

If you have a printer, you can download the necessary forms to apply for Home Buying Assistance directly from this web site.
Just click any of the links below and save the file to your computer. You can then use your computer's printer to print the forms.

Saving Files using Internet Explorer:
Right-click on the link and choose "Save Target As", then choose where to save the file on your hard drive. We recommend saving to your Desktop.
Saving Files using Netscape:
Right-click on the link and choose "Save Link As", then choose where to save the file on your hard drive. We recommend saving to your Desktop.

Home Buyer Assistance Program application (application.pdf - 594k)

Financial Statement (statement.pdf - 373k)

The following forms are not required, but may be helpful:

Budget worksheet (budget.pdf - 502k)

Self Test: Are you ready to buy a home? (selftest.pdf - 260k)

3 month spending & saving planner (planner.pdf - 352k)

House Hunting checklist (checklist.pdf - 449k)

Homebuyer's wish list worksheet (wishlist.pdf - 276k)

After you print and fill out the forms, mail them to:
Housing Assistance Program of Essex County
PO Box 157
Elizabethtown, NY 12932

Forms are in PDF format. You will need Adobe Acrobat Reader to read them. You can download it for free by clicking the button below:

If you'd like more information regarding our Home Buying Assistance services, you can fill out the form below and we will respond:


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Housing Assistance Program of Essex County
103 Hand Ave., PO Box 157
Elizabethtown, New York 12932

phone: 518-873-3691
fax: 518-873-9102
email: info@hapec.org

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