Need for Housing
* Be currently living in overcrowded or substandard housing
* More than 30% of gross household income goes towards housing
* First time homebuyer (no ownership in past 3 years)
Ability to Pay
* Steady Income
* Reasonable Debt
* No bankruptcies in past 4 years
* Earn 50% – 70% of Area Median Income for Ulster County
Willing to Partner
* Complete application process and meet required deadlines
* Attend homebuyer and education classes
* Complete 200 – 400 partnership hours (based on household size)
*Must reside or work in Ulster County, N.Y. for a minimum of 12 months before application*