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Find similar grantsFirst-Time Homebuyers Grant (MCU Foundation) is sponsored by The MCU Foundation (Municipal Credit Union Foundation). The MCU Foundation offers grants to first-time homebuyers to assist with down payment or closing costs. These funds are available on a first-come, first-served basis.
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First-Time Homebuyers Grant | The MCU Foundation FIRST-TIME HOMEBUYERS GRANT Get Up to $20,000 Toward Your New Home The MCU Foundation is proud to support first-time homebuyers with grants of up to $20,000—available on a first come, first served basis. Use the funds toward your down payment or closing costs and take a big step toward building generational wealth.
Applications will open again in 2026 Turning Dreams into Reality "This grant has also given us renewed motivation to continue working hard, improving our lives, and contributing to our community." "Owning a home is a big deal for me and my family. This is fulfilling a dream.
We are very thankful to MCU and its employees/representatives for their hard work in achieving this goal..... The grant is an excellent resource and very helpful in achieving American Dream." Start Your Homeownership Journey Today If you meet the qualifying criteria** listed below, take the first step to apply for a Grant of up to $20,000 by clicking the “Apply Now” button and completing the form.
Once you submit the application, one of our Mortgage Specialists will follow up to review your application. We're here to provide assistance, support, and to guide you through the next steps. 1.
You do not currently own a home and have not owned a home in the past 3 years (this qualifies you as a first-time homebuyer under the terms of the grant). 2. The home you are interested in purchasing must be located in New York, New Jersey, Connecticut, or Pennsylvania.
3. You are purchasing a one or two family home, co-op, or condominium as your principal residence, which must be maintained for a minimum of 5 years (if applicable, HOA must allow the grant). 4.
Your gross annual income does not exceed 100% of the area median income (AMI) as defined by the below chart. 5. You must be willing to undertake an MCU-approved homebuyer education course through one of the following: Neighborhood Housing Services of New York City (NHSNYC) HUD Housing Counseling Services National Industry Standards for Homeownership Education and Counseling 6.
Total down payment will not exceed 10% of a 1 or 2 unit property. 7. Escrow waivers must not be used.
8. You are not using existing MCU grant funds in order to qualify. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
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Our basic savings account, with perks that are anything but. A Share Account gets you membership into MCU, a foundation to build your goals on—and regular dividends just for being a member. Our basic savings account, with perks that are anything but.
A Share Account gets you membership into MCU, a foundation to build your goals on—and regular dividends just for being a member. Our basic savings account, with perks that are anything but. A Share Account gets you membership into MCU, a foundation to build your goals on—and regular dividends just for being a member.
The Door to Owning a Home is Still Open If you do not qualify, learn more about the opportunities available to you through MCU’s First-Time Homebuyers Program . We’ll guide you step-by-step toward successful homeownership. Have questions about the grant?
Click here to send us an email. You, Too, Can Make a Difference. If you share our vision and are passionate about helping New Yorkers grow generational wealth, let’s join forces and make it a reality.
Your involvement and contributions can make a difference in the lives of the hardworking heroes who call this city home. * The MCU Foundation grant functions as a forgivable loan and will be considered due and payable only in the following circumstances: Recipient does not occupy the home as their primary residence for the 5 - year occupancy requirement in accordance with the primary residency definition provided below .
Recipient sells the home for an amount greater than the purchase price within 24 month s of the property funding date. Recipient is found to have provid ed false information during the mortgage or grant application process. In one or all of these circumstances the loan is due and payable with a 0% interest rate.
** Recipient must agree to be the primary owner - occupant and continuously occupy at least one unit of the property as their primary residency for a period of 5 consecutive years following the receipt of the MCU Foundation grant. Primary residence is defined as : T he member must reside and sleep in at least one dwelling of the property for no less t han three hundred (300) days per year unless on active military duty.
The home must be identified as their sole residence on their driver’s license or photo identifica tion within 90 days of closing. G rant approval can be withdrawn if the member is found no t to meet the requirements of the program. G rant approval expires one hundred and eighty days from the date of the award.
Any extension will be at the discreti on of the MCU Foundation board. The selection process will be on a first come , first serve d basis . Members must meet all MCU q ualifications and guidelines.
G rant approval will not be effective unless the member executes the “Notice of MCU Fou ndation Grant Approval” letter. Occupancy affidavit must be signed and returned to establish intent to adhere t o Owner Occupancy Requirements. It is the member’s responsibility to locate and identify a property for purchase within the approved time frame.
It is the member’s responsibility to meet the first mortgage guidelines, standards and conditions. MCU Foundation board. The selection process will be on a first come , first serve d basis .
Members must meet all MCU q ualifications and guidelines. G rant approval will not be effective unless the member executes the “Notice of MCU Fou ndation Grant Approval” letter. Occupancy affidavit must be signed and returned to establish intent to adhere t o Owner Occupancy Requirements.
It is the member’s responsibility to locate and identify a property for purchase within the approved time frame. It is the member’s responsibility to meet the first mortgage guidelines, standards and conditions. 1 The 2023 AMI for the NYC region is $127,100 for a three-person family (100%AMI).
Click here for more information. 2 Calculation based on 2023 adjusted home income limits - 3 person low income (SUM /11 counties) to 8 person low income (SUM/11 counties). Click here for more information.
3 Calculation based on 2023 adjusted home income limits - 3 person low income (SUM /12 counties) to 8 person low income (SUM/12 counties). Click here for more information. 4 Calculation based on 2023 adjusted home income limits - 3 person low income (SUM /52 counties) to 8 person low income (SUM/52 counties).
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According to the current listing, eligibility includes: Does not currently own a home and has not owned a home in the past 3 years; home must be located in New York, New Jersey, Connecticut, or Pennsylvania; purchasing a one or two-family home, co-op, or condominium as princ…. Confirm the full requirements in the official notice before applying.
The current listing shows up to $20,000. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Applications for First-Time Homebuyers Grant (MCU Foundation) are due January 1, 2027. Build your timeline backwards from this date to cover registrations, approvals, and final submission checks.
First-Time Homebuyers Grant (MCU Foundation) is funded by The MCU Foundation (Municipal Credit Union Foundation). Verify program details on the funder's official page before applying.
This opportunity targets applicants in Pennsylvania, Connecticut, New Jersey, and New York. Check the official notice for exact location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
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