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285e7f76-631a-427c-af6d-50a9bdf11b43 Home How We Can Help Details Down Payment Assistance Loans are funded through the Town of Southampton’s Community Housing Fund (CHF). CDLI only administers part of the program for application, processing, and underwriting under the following guidelines established by the Town. Loan amount up to 3% of the home’s purchase price to be applied toward the down payment of the recipient’s purchase of an owner occupied, residential property located within the Town of Southampton. Zero percent (0%) interest and payable at the sale of the home or refinance transaction. Purchase Price not to exceed $1,665,600. Eligibility Criteria: Be a First-Time Homebuyer . Defined by Southampton Town Code §140-40 as an eligible individual who has not owned a primary residential property and is not married to a person that has owned a residential property during the three year period prior to his or her purchase of the primary residential property, and who does not own a vacation or investment home. Be an Eligible Individual . Defined as a household income that does not exceed 100% of the income limits as established by the State of New York Mortgage Agency low interest rate loan program in non-target categories for Suffolk County in effect on the contract date for the sale of such property. (see the chart that follows). Purchase Community Housing. Defined as a primary residential property for an eligible individual that does not exceed 150% of the purchase price limits established by the State of New York Mortgage Agency (currently, a maximum purchase price of $1,665,600). Attend a mortgage counseling session. Given by The Community Development Corporation of Long Island (CDLI) which is a HUD certified not-for-profit housing agency and submit proof of attendance (a certificate of completion). Have NOT entered into a Contract of Sale to purchase a home prior to being issued a Purchaser Certificate by the Southampton Town Department of Housing and Community Development. The recipient(s) of a certificate has (have) 180 days to submit a fully executed Contract of Sale to the Town of Southampton. Failure to comply will trigger the nullification of the Purchaser Certificate HOMEBUYER CONTRIBUTION: The applicant is required to have a minimum of 2% of the projected purchase price deposited in the bank at the time of application . Applicant’s liquid assets cannot exceed the purchase price of the house. * PLEASE CONSULT THE TOWN OF SOUTHAMPTON FOR APPLICABLE TOWN CODE PROPERTY AND ZONING REQUIREMENTS Contact Info Phone : (631) 471-1215 ext. 1510 or 1930 Email : homeloan@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Apply now Town of Southampton Down Payment Assistance Program Down payment assistance for first-time homebuyers in The Town of Southampton.

9bd65750-d354-4409-be5c-4dd58e52422d Home How We Can Help Details eHome Money Management empowers you to: Understand Savings and Spending Understand Credit Manage Personal Finances Class fee $50. Contact Info Phone : (631) 471-1215 ext 5393 Email : Homeownershipcenter@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Register Now Register Now Online Financial Capabilities Education Understand budgeting, credit and manage personal finances.

601ef05a-f7c9-4652-8179-0c990e9c1701 Home How We Can Help Details This Program Is No Longer Accepting Applications All available funding has been used and we are not currently accepting applications. The RESTORE Program provided income-eligible homeowners, 60 years of age and older, the resources to make necessary emergency repairs to address hazardous conditions posing a threat to life, health or safety of the elderly homeowner. Funds are no longer available. If you are a Veteran, you may qualify for the Access to Home for Heroes program, which is currently accepting applications. Learn more here. If you are seeking help with urgent home safety repairs, you may qualify for an Emergency Home Repair Loan. View program details. If you need accessibility modifications or structural repairs and can manage a low-interest loan, explore our Home Improvement Loan options. Learn more. Homeowners age 62 and older may also consider Reverse Mortgage Counseling to explore whether home equity could help fund necessary modifications. Explore this option. If you are unsure which program may be right for you, contact our team for guidance. Contact us. RESTORE Program Emergency repairs for seniors aged 60 and over.

549a49bb-0d1e-4199-ba4c-352173a23ccc Home How We Can Help Details A low-interest rate loan, for down payment and closing cost assistance, is available for first-time homebuyers to avoid Private Mortgage Insurance (PMI) and whose income is no greater than 120% of the area median income (AMI) based on family size (see chart below). The loan may be for up to $75,000 and is subject to program underwriting guidelines. Funds from CDLI can be combined with borrowers’ own funds for up to 20% financing to avoid PMI. Eligible borrowers must have a commitment for a fixed rate first mortgage through a NYS-approved lender. All borrowers are required to complete CDLI’s NeighborWorks Home Buyer Education Program. The interest rate is fixed (4%, 4.25%, & 4.5%), set according to loan size, and subject to change. The maximum term of the loan cannot exceed the term of the first mortgage financing. The home must be owner-occupied, and the property type must be a co-op, condominium, single-family, or legal two-family located in Nassau or Suffolk County. The purchase price cannot exceed $500,000. Total combined loan-to-value (including all sources of secondary financing) must not be greater than 105% of the appraised value. All loans will be secured with a mortgage, and the income of all household members will be used to determine eligibility. There is a $120 nonrefundable application fee. Requirements First-time Homebuyer Income must be no greater than 120% of the area median income based on family size Have a commitment for a fixed rate mortgage through a NYS-approved lender The homeowner must occupy the home The property must be a co-op, condominium, single-family, or legal two-family located in Nassau or Suffolk County Purchase price at or under $500,000 Total combined loan-to-value (including all sources of secondary financing) must not be greater than 105% of the appraised value Pay a $120 nonrefundable application fee AMI is established by HUD and changes every year. If you believe your household income is over the threshold when accounting for family size, please do not make your own individual underwriting decision. Please call our office to talk to a loan officer. Contact Info Phone : (631) 471-1215 ext. 1510 or 1930 Email : homeloan@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Apply today! Apply Down Payment and Closing Cost Assistance A low-interest rate loan for down payment and closing costs.

19ad2dc0-1f2d-4c7d-9051-ebe500809541 Home How We Can Help Details Objective: To offer a low interest rate second mortgage loan product for gap funding on Plus One ADU Grant projects. Currently being offered to Plus One ADU Grant applicants in the Towns of Babylon, East Hampton, Shelter Island and Southampton. Below are the parameters for CDLI’s Accessory Dwelling Unit Loan Product: Applicant homeowners must go through CDLI’s ADU grant process to secure primary financing before applying for this loan Minimum Credit Score = 625 Loan amounts up to $125,000.00 based on need and funds availability Applicant’s Income must not be greater than 100% of the Area Median Income (AMI) adjusted for family size Interest (4% or 6%) based on household income in relation to the Standard AMI for the county of residence with no adjustment for family size APR = 4.84% for loans with interest of 4% APR = 6.909% for loans with interest of 6% APR calculations are based on a loan of $125,000 over 10 years (120 months) considering loans fees, interim interest, and possible title insurance costs . Duration: 10 year-term (120 months). Other terms may be allowed based on underwriting guidelines Second lien position is required Title insurance may be required for all loan amounts. Borrower to pay the loan fees at closing Loan fees: 1% origination fee $120 application fee $125 processing fee Title insurance fee (applicant to shop for) Loans will be disbursed at closing. A signed contract with the builder/contractor will be required at closing, or before disbursement. Contact Info Phone : (631)-471-1215 ext. 1510 or 1930 Email : Homeloan@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Apply Now Accessory Dwelling Unit Loan Product (ADU) A low interest rate second mortgage loan product for the construction of an Accessory Dwelling Unit.

20badca9-27a0-4d8e-afa6-06f285f75c3c Home How We Can Help Details The Weatherization Assistance Program (WAP) assists families and individuals by reducing their heating/cooling costs and improving the safety of their homes through energy efficiency measures. These cost savings help all residents, including seniors who want to age affordably in their current homes. Owners/landlords of buildings occupied by low-income households are also encouraged to apply for assistance for their buildings. Participants who reside in a rental unit, please call our office to obtain a copy of the Landlord Preliminary Agreement for your landlord to fill out and sign. Program services are delivered through New York State Homes and Community Renewal’s statewide network of local service providers. CDLI is the provider of weatherization services for Nassau and Suffolk Counties. Funds are made available through the U.S. Department of Energy and U.S. Department of Health & Human Services. Funds are available for approximately 400 homes each year. Applications are addressed on a first-come, first-served basis. If an application is incomplete or determined to be ineligible, you will be notified within 48 hours. Typical repairs may include but are not limited to: Weatherstripping & Caulking Attic & Wall Insulation Heating System Improvements or Replacement Energy Efficient Lighting Energy Efficient Refrigeration Hot Water Tank & Pipe Insulation Smoke Detectors & CO Detectors Window Repairs or Replacement Exterior Door Repairs or Replacement Other Minor Repairs That Improve Energy Efficiency These improvements help all eligible residents maintain affordable, comfortable homes, including those who want to age in place. Application Weatherization Application 2026 .pdf Download PDF • 1.22MB Contact Info Phone : (631) 648-5091 Email : weatherization@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Email your documents! Click Here Weatherization Assistance Program Energy efficiency measures that reduce costs and improve safety.

aac4e078-24db-4314-a4a4-a929bed26c0e Home How We Can Help Details In collaboration with Home HeadQuarters, a nonprofit entity based in Syracuse, NY, CDLI offers loan packaging for potential buyers looking to acquire a manufactured home. CDLI staff will educate potential applicants on the loan process and take their applications. Home HeadQuarters’ staff will process and underwrite the loan. Contact Info Phone : (631) 471-1215 ext. 1510 or 1930 Email : homeloan@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Contact us! Contact Us Manufactured Home Loan packaging for acquiring a manufactured home.

09cd1d90-936b-47fc-afed-c8ae968a8047 Home How We Can Help Details If you have a Housing Choice Voucher (Section 8), currently live in an eligible area and are either pregnant or have at least one child under 18, the Making Moves program can help you explore new housing options in high-opportunity areas in Nassau and Suffolk counties. For families who qualify and commit to the contract of participation we offer personalized coaching, housing support and financial assistance. Working with your coach you will create a personalized housing search plan and set achievable goals that support your journey toward moving to a high opportunity community. What the Making Moves Program Offers Personal Housing Coach A dedicated coach will guide you through your move—from planning to post-move support. Help Finding the Right Home We assist in locating homes in well-resourced neighborhoods that qualify for Making Moves. Financial Support Eligible families may receive help with broker fees, application fees, and other moving costs. Landlord Incentives Based on the location of the move an additional bonus may be available for landlords. How the Program Works https://video.wixstatic.com/video/d28675_9a113edefd544f1c95d2754c9fca096c/1080p/mp4/file.mp4 Making Moves Overview Video https://video.wixstatic.com/video/d28675_35bf709347084b35a79a528ce9624bd6/1080p/mp4/file.mp4 Hear From One of Our Making Moves Coaches Check If a Home Qualifies Use the Long Island Opportunity Lookup Tool to see if an address is eligible for Making Moves support. Check Address Eligibility This tool uses Google Maps which does not always align with the Census map. Contact Us Call: 631-597-0742 Email: makingmoves@cdli.org Take the First Step! We’ll contact you after you submit the form to discuss your goals and next steps. Click Here Making Moves Program for Housing Choice Voucher Families on Long Island CDLI’s Making Moves helps Section 8 families relocate to high-opportunity Long Island communities with coaching, housing search support, and financial aid.

577ba11b-2b8c-4786-9964-3239c6e69c10 Home How We Can Help Details To further CDLI’s mission of increasing investment in neighborhoods, protecting the assets of homeowners, and protecting the environment, a low-interest rate loan product is now available to assist with the installation of a new septic system in homes with failing cesspools! To reverse decades of damaging nitrogen pollution of ground and surface waters on Long Island, this new loan from CDLI is made available to assist with the cost of replacing outdated and failing septic systems with state-of-the-art nitrogen-reducing systems or a lesser-cost hybrid system. CDLI will make its low-interest loan available if the homeowner is in need of additional funds to cover the costs of installing the new system. Loan application fees and closing costs do apply to this product. Loan amounts cannot exceed $10,000. Available for homeowners anywhere on Long Island, near water, or further away in the center. Primarily, those homeowners who do not qualify for the Suffolk County program for Septic Replacement System. This loan product is not available for homeowners who are looking to replace a conventional cesspool with another conventional cesspool system. Loan Guidelines Loans amount: $10,000 per household Houses must be residential single-family or two-family properties, owner or non-owner-occupied. Other type of houses can be considered on a case-by-case basis Property Taxes must be current A credit score of 625 will be used as an underwriting guideline Interest rate: 4% or 6% depending on the percent of the applicant’s household income in relation to the Area Median Income (AMI) UCC-1 filing fee of 50% The maximum loan term is 15 years UCC-1 filing is required to secure the loan Applicant(s) must be the legal owner(s) of the property A signed contract with the contractor is required Loan Fees $120 application fee $125 processing fee 1% origination fee Contact Info Phone : (631) 471-1215 ext. 1510 or 1930 Email : homeloan@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Apply today! Apply Now Cesspool/Septic System Replacement & Retrofit Find help on updating your failing cesspool.

76764139-443f-4dbf-b271-7e287232156e Home How We Can Help Details First-Ever Long Island Zoning Atlas Comes To Life! Interactive Zoning Atlas allows Long Island stakeholders to understand what kind of housing can and cannot be built across Nassau and Suffolk’s 1,200+ zoning districts. This innovative online platform, the first of its kind in New York State, provides a comprehensive mapping of all zoning districts, offering detailed insights into the types of housing permitted in each area, and other critical characteristics. With the zoning atlas you can: find out which zones allow or prohibit different types of housing; see what legislative & special taxation districts overlap with each zone; access your municipality's zoning ordinance online. Access the Long Island Zoning Atlas here . User guideline below: Using_the_LI_Zoning_Atlas_Dec2023 .pdf Download PDF • 2.46MB Contact Info Phone : (631) 471-1215 Email : info@cdcli.org Disclosure We are a nonprofit exempt mortgage banker. Loans are arranged through third-party vendors. CDLI Funding Corporation is a Fair Housing and Equal Opportunity lender. See If You Qualify Access the Long Island Zoning Atlas. Zoning Atlas Long Island Zoning Atlas Which zones allow or prohibit different types of housing and more.