RUTHANNE VISNAUSKAS Commissioner/CEO. ANDREW M. CUOMO Governor. Page 1. By E mail. June 27, 2017

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1 ANDREW M. CUOMO Governor RUTHANNE VISNAUSKAS Commissioner/CEO By E mail RE: Revised Purchase Price and Income Limits Seller s Guide Bulletin # June 27, 2017 Dear Participating Lender: With this bulletin, SONYMA is announcing revised purchase price and income limits for all of its bond financed programs. The revised limits are effective for all loan reservations made on or after July 7, 2017 and will continue until further notice. The income limits, which are based on HUD medians published April 14, 2017 and IRS Revenue Procedures and , have increased in all areas of the State except Columbia County. There was no change in the income limits for Columbia County. The purchase price (or acquisition cost) limits have decreased in all areas of New York State. In accordance with federal regulations, SONYMA s purchase price limits are based on safe harbor purchase prices derived from FHA loan limits and published by the Internal Revenue Service (IRS) in Revenue Procedure Note that the purchase price limits are based on the IRS definition of acquisition cost (see Section of the SONYMA Seller s Guide). It is the IRS definition of acquisition cost that cannot exceed the purchase price limit. Attached please find a chart which incorporates the new limits. Also attached are revised charts for the Achieving the Dream Mortgage Program and Habitat for Humanity Mortgage Program. The new limits will also be published on SONYMA s website. Click on the link below to access the limits: ( InformationforSONYMAParticipatingLenders.htm). Lastly, also attached is an updated Federal recapture tax limits chart. The recapture chart details the adjusted household income a borrower must utilize when calculating potential IRS recapture tax liability after selling a SONYMA financed home. Keep in mind that SONYMA will reimburse any borrower required to pay a Federal recapture tax to the IRS. For more information about recapture, please click here. If you have any questions, please feel free to contact me at (518) Sincerely, Sherri Eckles Senior Vice President Single Family Programs Page 1

2 SONYMA Low Interest Rate Mortgage Program* Income and Purchase Price Limits Effective Date: For Reservations Accepted July 7, 2017 and Until Further Notice INCOME LIMITS PURCHASE PRICE LIMITS Household Size 1 Family 2 Family SONYMA 1 & 2 Person** 3 + Person** New & Existing New*** & Existing 3 Family Existing 4 Family Existing REGION COUNTY Non-Target Target Non-Target Target Non-Target Target Non-Target Target Non-Target Target Non-Target Target I Cattaraugus $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 BUFFALO Chautauqua $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Erie $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Niagara $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 II Genesee $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 ROCHESTER Livingston $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Monroe $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Ontario $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Orleans $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Seneca $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Wayne $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Wyoming $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Yates $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 III Cayuga $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 SYRACUSE Cortland $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Madison $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Onondaga $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Oswego $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 IV Allegany $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 BINGHAMTON Broome $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Chemung $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Chenango $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Delaware $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Otsego $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Schuyler $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Steuben $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Tioga $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Tompkins $75,600 $90,720 $86,940 $105,840 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 V Columbia $74,600 $89,520 $85,790 $104,440 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 MID-HUDSON Dutchess $107,280 $107,280 $125,160 $125,160 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 Greene $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Orange $107,280 $107,280 $125,160 $125,160 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 Putnam $114,480 $114,480 $133,560 $133,560 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 Sullivan $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Ulster $78,500 $94,200 $90,275 $109,900 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580

3 SONYMA Low Interest Rate Mortgage Program* Income and Purchase Price Limits Effective Date: For Reservations Accepted July 7, 2017 and Until Further Notice INCOME LIMITS PURCHASE PRICE LIMITS Household Size 1 Family 2 Family SONYMA 1 & 2 Person** 3 + Person** New & Existing New*** & Existing 3 Family Existing 4 Family Existing REGION COUNTY Non-Target Target Non-Target Target Non-Target Target Non-Target Target Non-Target Target Non-Target Target VI Albany $83,100 $99,720 $95,565 $116,340 $268,940 $328,700 $344,300 $420,810 $416,160 $508,640 $517,160 $632,090 CAPITAL Montgomery $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Rensselaer $83,100 $99,720 $95,565 $116,340 $268,940 $328,700 $344,300 $420,810 $416,160 $508,640 $517,160 $632,090 Saratoga $83,100 $99,720 $95,565 $116,340 $268,940 $328,700 $344,300 $420,810 $416,160 $508,640 $517,160 $632,090 Schenectady $83,100 $99,720 $95,565 $116,340 $268,940 $328,700 $344,300 $420,810 $416,160 $508,640 $517,160 $632,090 Schoharie $83,100 $99,720 $95,565 $116,340 $268,940 $328,700 $344,300 $420,810 $416,160 $508,640 $517,160 $632,090 VII Clinton $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 MOHAWK Essex $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 VALLEY Franklin $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Fulton $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Hamilton $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Herkimer $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Jefferson $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Lewis $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Oneida $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 St. Lawrence $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Warren $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 Washington $73,400 $88,080 $84,410 $102,760 $253,800 $310,210 $324,960 $397,180 $392,800 $480,080 $488,110 $596,580 VIII Rockland $124,320 $124,320 $145,040 $145,040 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 DOWNSTATE Westchester $133,680 $133,680 $155,960 $155,960 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 IX Nassau $132,960 $132,960 $155,120 $155,120 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 LONG ISLAND Suffolk $132,960 $132,960 $155,120 $155,120 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 X Bronx $114,480 $114,480 $133,560 $133,560 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 NEW YORK Kings $114,480 $114,480 $133,560 $133,560 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 CITY New York $114,480 $114,480 $133,560 $133,560 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 Queens $114,480 $114,480 $133,560 $133,560 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 Richmond $114,480 $114,480 $133,560 $133,560 $585,710 $715,870 $749,920 $916,570 $906,460 $1,107,900 $1,126,470 $1,376,800 * Applicants whose incomes are within these limits will receive the Achieving the Dream interest rate when applying for a Homes for Veterans or Graduate to Homeownership loan. ** Household size is determined by the number of persons in the household including children, regardless of age. For example, a married couple with one two-year old child would use the 3+ person household limit. *** For target areas only. New Two Families are not permitted in non-target areas.

4 STATE OF NEW YORK MORTGAGE AGENCY ACHIEVING THE DREAM MORTGAGE PROGRAM MAXIMUM INCOME AND PURCHASE PRICE/APPRAISED VALUE LIMITS (1) EFFECTIVE FOR LOAN RESERVATIONS ACCEPTED ON OR AFTER JULY 7, 2017 REGION COUNTY INCOME LIMITS One-Family New & Existing Two-Family New (2) & Existing REGION COUNTY INCOME LIMITS One-Family New & Existing Two-Family New (2) & Existing I-BUFFALO Cattaraugus $50,000 $253,800 $324,960 VI-CAPITAL Albany $66,480 $268,940 $344,300 Chautauqua $50,000 $253,800 $324,960 Montgomery $50,000 $253,800 $324,960 Erie $54,560 $253,800 $324,960 Rensselaer $66,480 $268,940 $344,300 Niagara $54,560 $253,800 $324,960 Saratoga $66,480 $268,940 $344,300 Schenectady $66,480 $268,940 $344,300 II-ROCHESTER Genesee $53,280 $253,800 $324,960 Schoharie $66,480 $268,940 $344,300 Livingston $54,880 $253,800 $324,960 Monroe $54,880 $253,800 $324,960 VII-MOHAWK Clinton $55,440 $253,800 $324,960 Ontario $54,880 $253,800 $324,960 VALLEY Essex $52,960 $253,800 $324,960 Orleans $54,880 $253,800 $324,960 Franklin $50,000 $253,800 $324,960 Seneca $51,600 $253,800 $324,960 Fulton $50,000 $253,800 $324,960 Wayne $54,880 $253,800 $324,960 Hamilton $51,040 $253,800 $324,960 Wyoming $53,360 $253,800 $324,960 Herkimer $50,000 $253,800 $324,960 Yates $50,880 $253,800 $324,960 Jefferson $51,040 $253,800 $324,960 Lewis $50,000 $253,800 $324,960 III-SYRACUSE Cayuga $52,480 $253,800 $324,960 Oneida $50,000 $253,800 $324,960 Cortland $51,920 $253,800 $324,960 St. Lawrence $50,000 $253,800 $324,960 Madison $54,400 $253,800 $324,960 Warren $51,280 $253,800 $324,960 Onondaga $54,400 $253,800 $324,960 Washington $51,280 $253,800 $324,960 Oswego $54,400 $253,800 $324,960 VIII-DOWNSTATE Rockland $99,450 $585,710 $749,920 IV-BINGHAMTON Allegany $50,000 $253,800 $324,960 Westchester $106,940 $585,710 $749,920 Broome $52,560 $253,800 $324,960 Chemung $51,680 $253,800 $324,960 IX-LONG ISLAND Nassau $106,360 $585,710 $749,920 Chenango $50,000 $253,800 $324,960 Suffolk $106,360 $585,710 $749,920 Delaware $50,000 $253,800 $324,960 Otsego $50,000 $253,800 $324,960 X-NEW YORK CITY Bronx $91,580 $585,710 $749,920 Schuyler $50,000 $253,800 $324,960 Kings $91,580 $585,710 $749,920 Steuben $50,000 $253,800 $324,960 New York $91,580 $585,710 $749,920 Tioga $52,560 $253,800 $324,960 Queens $91,580 $585,710 $749,920 Tompkins $60,480 $253,800 $324,960 Richmond $91,580 $585,710 $749,920 V-MID-HUDSON Columbia $59,680 $253,800 $324,960 Dutchess $85,820 $585,710 $749,920 Greene $51,040 $253,800 $324,960 Orange $85,820 $585,710 $749,920 Putnam $91,580 $585,710 $749,920 Sullivan $51,440 $253,800 $324,960 Ulster $62,800 $253,800 $324,960 (1) Subject to change (2) Two-Family homes that are less than 5 years old must be located in a Target Area

5 Habitat for Humanity Program INCOME AND PURCHASE PRICE LIMITS* Effective for Loan Reservations Accepted July 7, 2017 and Continuing Until Further Notice INCOME LIMITS Household Size PURCHASE PRICE LIMITS INCOME LIMITS Household Size PURCHASE PRICE LIMITS Region County 1 & 2 Person** 3+ Person** 1 Family Homes*** Region County 1 & 2 Person** 3+ Person** 1 Family Homes*** I Cattaraugus $58,720 $67,520 $253,800 VI Albany $66,480 $76,450 $268,940 BUFFALO Chautauqua $58,720 $67,520 $253,800 CAPITAL Montgomery $58,720 $67,520 $253,800 Erie $58,720 $67,520 $253,800 Rensselaer $66,480 $76,450 $268,940 Niagara $58,720 $67,520 $253,800 Saratoga $66,480 $76,450 $268,940 Schenectady $66,480 $76,450 $268,940 II Genesee $58,720 $67,520 $253,800 Schoharie $66,480 $76,450 $268,940 ROCHESTER Livingston $58,720 $67,520 $253,800 Monroe $58,720 $67,520 $253,800 VII Clinton $58,720 $67,520 $253,800 Ontario $58,720 $67,520 $253,800 MOHAWK Essex $58,720 $67,520 $253,800 Orleans $58,720 $67,520 $253,800 VALLEY Franklin $58,720 $67,520 $253,800 Seneca $58,720 $67,520 $253,800 Fulton $58,720 $67,520 $253,800 Wayne $58,720 $67,520 $253,800 Hamilton $58,720 $67,520 $253,800 Wyoming $58,720 $67,520 $253,800 Herkimer $58,720 $67,520 $253,800 Yates $58,720 $67,520 $253,800 Jefferson $58,720 $67,520 $253,800 Lewis $58,720 $67,520 $253,800 III Cayuga $58,720 $67,520 $253,800 Oneida $58,720 $67,520 $253,800 SYRACUSE Cortland $58,720 $67,520 $253,800 St. Lawrence $58,720 $67,520 $253,800 Madison $58,720 $67,520 $253,800 Warren $58,720 $67,520 $253,800 Onondaga $58,720 $67,520 $253,800 Washington $58,720 $67,520 $253,800 Oswego $58,720 $67,520 $253,800 VIII Rockland $99,450 $114,360 $585,710 IV Allegany $58,720 $67,520 $253,800 DOWNSTATE Westchester $106,940 $122,980 $585,710 BINGHAMTON Broome $58,720 $67,520 $253,800 Chemung $58,720 $67,520 $253,800 IX Nassau $106,360 $122,310 $585,710 Chenango $58,720 $67,520 $253,800 LONG ISLAND Suffolk $106,360 $122,310 $585,710 Delaware $58,720 $67,520 $253,800 Otsego $58,720 $67,520 $253,800 X Bronx $91,580 $105,310 $585,710 Schuyler $58,720 $67,520 $253,800 NEW YORK Kings $91,580 $105,310 $585,710 Steuben $58,720 $67,520 $253,800 CITY New York $91,580 $105,310 $585,710 Tioga $58,720 $67,520 $253,800 Queens $91,580 $105,310 $585,710 Tompkins $60,480 $69,550 $253,800 Richmond $91,580 $105,310 $585,710 V Columbia $59,680 $68,630 $253,800 * Subject to change MID-HUDSON Dutchess $85,820 $98,690 $585,710 ** Household size is determined by the number of persons in the household including children, regardless of age. Greene $58,720 $67,520 $253,800 *** Includes condominiums and cooperatives. Orange $85,820 $98,690 $585,710 Putnam $91,580 $105,310 $585,710 Sullivan $58,720 $67,520 $253,800 Ulster $62,800 $72,220 $253,800 NOTES: x

6 NON TARGETED AREAS Albany 1 2 persons $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, $ 111, $ 116, $ 122, or more $ 95, $ 100, $ 105, $ 110, $ 116, $ 121, $ 128, $ 134, $ 141, Allegany 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Bronx 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Broome 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Cattaraugus 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Cayuga 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Chautauqua 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Chemung 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Chenango 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Clinton 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Columbia 1 2 persons $ 74, $ 78, $ 82, $ 86, $ 90, $ 95, $ 99, $ 104, $ 110, or more $ 85, $ 90, $ 94, $ 99, $ 104, $ 109, $ 114, $ 120, $ 126, Cortland 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Page 1 of 10

7 NON TARGETED AREAS Delaware 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Dutchess 1 2 persons $ 107, $ 112, $ 118, $ 124, $ 130, $ 136, $ 143, $ 150, $ 158, or more $ 125, $ 131, $ 137, $ 144, $ 152, $ 159, $ 167, $ 176, $ 184, Erie 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Essex 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Franklin 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Fulton 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Genesee 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Greene 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Hamilton 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Herkimer 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Jefferson 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Kings 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Lewis 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Page 2 of 10

8 NON TARGETED AREAS Livingston 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Madison 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Monroe 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Montgomery 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Nassau 1 2 persons $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, $ 178, $ 187, $ 196, or more $ 155, $ 162, $ 171, $ 179, $ 188, $ 197, $ 207, $ 218, $ 229, New York 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Niagara 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Oneida 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Onondaga 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Ontario 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Orange 1 2 persons $ 107, $ 112, $ 118, $ 124, $ 130, $ 136, $ 143, $ 150, $ 158, or more $ 125, $ 131, $ 137, $ 144, $ 152, $ 159, $ 167, $ 176, $ 184, Orleans 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Oswego 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Otsego 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Page 3 of 10

9 NON TARGETED AREAS Putnam 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Queens 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Rensselaer 1 2 persons $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, $ 111, $ 116, $ 122, or more $ 95, $ 100, $ 105, $ 110, $ 116, $ 121, $ 128, $ 134, $ 141, Richmond 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Rockland 1 2 persons $ 124, $ 130, $ 137, $ 143, $ 151, $ 158, $ 166, $ 174, $ 183, or more $ 145, $ 152, $ 159, $ 167, $ 176, $ 185, $ 194, $ 204, $ 214, Saratoga 1 2 persons $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, $ 111, $ 116, $ 122, or more $ 95, $ 100, $ 105, $ 110, $ 116, $ 121, $ 128, $ 134, $ 141, Schenectady 1 2 persons $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, $ 111, $ 116, $ 122, or more $ 95, $ 100, $ 105, $ 110, $ 116, $ 121, $ 128, $ 134, $ 141, Schoharie 1 2 persons $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, $ 111, $ 116, $ 122, or more $ 95, $ 100, $ 105, $ 110, $ 116, $ 121, $ 128, $ 134, $ 141, Schuyler 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Seneca 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, St. Lawrence 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Steuben 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Page 4 of 10

10 NON TARGETED AREAS Suffolk 1 2 persons $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, $ 178, $ 187, $ 196, or more $ 155, $ 162, $ 171, $ 179, $ 188, $ 197, $ 207, $ 218, $ 229, Sullivan 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Tioga 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Tompkins 1 2 persons $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, $ 111, or more $ 86, $ 91, $ 95, $ 100, $ 105, $ 110, $ 116, $ 122, $ 128, Ulster 1 2 persons $ 78, $ 82, $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, or more $ 90, $ 94, $ 99, $ 104, $ 109, $ 115, $ 120, $ 127, $ 133, Warren 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Washington 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Wayne 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Westchester 1 2 persons $ 133, $ 140, $ 147, $ 154, $ 162, $ 170, $ 179, $ 188, $ 197, or more $ 155, $ 163, $ 171, $ 180, $ 189, $ 199, $ 209, $ 219, $ 230, Wyoming 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Yates 1 2 persons $ 73, $ 77, $ 80, $ 84, $ 89, $ 93, $ 98, $ 103, $ 108, Figures based on state median income ($73,400) or area median income, whichever is greater. Number of persons in family and income is as of date of sale or transfer of house. Page 5 of 10

11 TARGETED AREAS Albany 1 2 persons $ 99, $ 104, $ 109, $ 115, $ 121, $ 127, $ 133, $ 140, $ 147, or more $ 116, $ 122, $ 128, $ 134, $ 141, $ 148, $ 155, $ 163, $ 171, Allegany 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Bronx 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Broome 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Cattaraugus 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Cayuga 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Chautauqua 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Chemung 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Chenango 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Clinton 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Columbia 1 2 persons $ 89, $ 93, $ 98, $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, or more $ 104, $ 109, $ 115, $ 120, $ 126, $ 133, $ 139, $ 146, $ 154, Cortland 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Page 6 of 10

12 TARGETED AREAS Delaware 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Dutchess 1 2 persons $ 107, $ 112, $ 118, $ 124, $ 130, $ 136, $ 143, $ 150, $ 158, or more $ 125, $ 131, $ 137, $ 144, $ 152, $ 159, $ 167, $ 176, $ 184, Erie 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Essex 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Franklin 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Fulton 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Genesee 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Greene 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Hamilton 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Herkimer 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Jefferson 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Kings 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Lewis 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Page 7 of 10

13 TARGETED AREAS Livingston 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Madison 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Monroe 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Montgomery 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Nassau 1 2 persons $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, $ 178, $ 187, $ 196, or more $ 155, $ 162, $ 171, $ 179, $ 188, $ 197, $ 207, $ 218, $ 229, New York 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Niagara 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Oneida 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Onondaga 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Ontario 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Orange 1 2 persons $ 107, $ 112, $ 118, $ 124, $ 130, $ 136, $ 143, $ 150, $ 158, or more $ 125, $ 131, $ 137, $ 144, $ 152, $ 159, $ 167, $ 176, $ 184, Orleans 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Oswego 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Otsego 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Page 8 of 10

14 TARGETED AREAS Putnam 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Queens 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Rensselaer 1 2 persons $ 99, $ 104, $ 109, $ 115, $ 121, $ 127, $ 133, $ 140, $ 147, or more $ 116, $ 122, $ 128, $ 134, $ 141, $ 148, $ 155, $ 163, $ 171, Richmond 1 2 persons $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, Rockland 1 2 persons $ 124, $ 130, $ 137, $ 143, $ 151, $ 158, $ 166, $ 174, $ 183, or more $ 145, $ 152, $ 159, $ 167, $ 176, $ 185, $ 194, $ 204, $ 214, Saratoga 1 2 persons $ 99, $ 104, $ 109, $ 115, $ 121, $ 127, $ 133, $ 140, $ 147, or more $ 116, $ 122, $ 128, $ 134, $ 141, $ 148, $ 155, $ 163, $ 171, Schenectady 1 2 persons $ 99, $ 104, $ 109, $ 115, $ 121, $ 127, $ 133, $ 140, $ 147, or more $ 116, $ 122, $ 128, $ 134, $ 141, $ 148, $ 155, $ 163, $ 171, Schoharie 1 2 persons $ 99, $ 104, $ 109, $ 115, $ 121, $ 127, $ 133, $ 140, $ 147, or more $ 116, $ 122, $ 128, $ 134, $ 141, $ 148, $ 155, $ 163, $ 171, Schuyler 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Seneca 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, St. Lawrence 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Steuben 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Page 9 of 10

15 TARGETED AREAS Suffolk 1 2 persons $ 132, $ 139, $ 146, $ 153, $ 161, $ 169, $ 178, $ 187, $ 196, or more $ 155, $ 162, $ 171, $ 179, $ 188, $ 197, $ 207, $ 218, $ 229, Sullivan 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Tioga 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Tompkins 1 2 persons $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, $ 134, or more $ 105, $ 111, $ 116, $ 122, $ 128, $ 135, $ 141, $ 148, $ 156, Ulster 1 2 persons $ 94, $ 98, $ 103, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, or more $ 109, $ 115, $ 121, $ 127, $ 133, $ 140, $ 147, $ 154, $ 162, Warren 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Washington 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Wayne 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Westchester 1 2 persons $ 133, $ 140, $ 147, $ 154, $ 162, $ 170, $ 179, $ 188, $ 197, or more $ 155, $ 163, $ 171, $ 180, $ 189, $ 199, $ 209, $ 219, $ 230, Wyoming 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Yates 1 2 persons $ 88, $ 92, $ 97, $ 101, $ 107, $ 112, $ 118, $ 123, $ 130, Figures based on state median income ($73,400) or area median income, whichever is greater. Number of persons in family and income is as of date of sale or transfer of house. Page 10 of 10